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If you wish to go ahead with a loan offer, you will be transferred directly to the lender to complete the application. November 8, 2022. 99% to 35. At Heart Paydays, we don’t offer $100 guaranteed installment loans for bad credit due to regulatory compliance, but we can provide you with some excellent 100. Viva Payday Loans : Best for Low Interest Loans for Bad Credit with APRs Starting From 5. OppLoans.