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Bad Credit Garanteed Approval Payday Loans Disaster Assistance: under this program, loans are sanctioned to renters or homeowners with a low-interest, long-term plan for the restoration of property to its pre-disaster condition. To prevent fraud the no credit check lender will send the proceeds of the loan to the guarantor to pass on to the applicant. This final stage in the process ensures that they are fully aware of their commitment and also verifies their relationship with the applicant.