If you need a personal loan but are discouraged because you have been rejected recently for a new loan or cannot find any viable lenders, listen up: I have the information you need to get guaranteed approval personal loans.

You are probably a very resourceful person who has looked in all of the right places for a loan – and yet you cannot seem to find what you are looking for. As with most anything else in life, often having a little extra insight into a situation can mean all of the difference between success and failure.

If you are looking for that little extra information required to get you where you want to go, here are 5 bits of advice for how to get a guaranteed-approval personal loan:

1. Your credit score is only one factor in getting approved: When you have a bad credit (FICO) score, it is so easy to let that get in your way of looking for a loan. It is important to know that your credit score is completely ignored by some lenders – if you know where to look.

2. There are hundreds of bad credit lenders who want your business: Many people who need cash fast get into a “scarcity mentality,” whereby they feel that they will face a tough time trying to find a lender who will loan them money. Don’t let this be a self-fulfilling prophecy: no matter what your credit situation, there are literally hundreds of lenders who are ready to lend you money.

3. There are very few restrictions for getting approved: Given that credit is not an issue with bad credit lenders, there are very few restrictions or conditions for approval.

4. You need to be able to prove your identity: One of those restrictions is that you need to prove your identity – you need to show that you are who you tell them you are.

5. Make sure you know what you are looking for: Before applying for any loan, it is a good idea to “take account” of your own situation in terms of how much you want to borrow, what interest rate you are willing to pay, and the desired term of your loan (e.g., 2 weeks, one month, etc.)

Now that you have all of the facts, it is time to go after the right lender. One more tip: make sure you evaluate multiple would-be lenders before just choosing one. When you are in need of money, it is easy to just want to take the first thing that comes along. But, once you find a lender who approves your application, do not “sign on the dotted line” until you have had the chance to review all of your options from multiple lenders. Only then make your choice.

Now, happy hunting!