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Compare one-month short-term loans to get cash now

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How to get a loan with a one-month repayment term.

Short term loans, also known as short term loans, offer a way for you to get money you need quickly. One potential downside is that usually you have to repay it in as soon as a few days, or your next biweekly paycheck. Do you only get paid once a month? Finding a short term loan where you have up to 30 days to repay is possible.

Check into Cash Payday Loan

Check into Cash Payday Loan
  • Safe, secure application.
  • Use the money for any purpose.
  • Receive funds as soon as next business day.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

  • Minimum loan amount: $50
  • Maximum loan amount: $1,000
  • Turnaround time: 1–2 business days
  • Loan term: Varies by state
  • You must be at least 21 and an American citizen and have a bank account, email address and phone number.
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How one-month short-term loans work

How quickly you are approved and receive your short term loan funds depends on whether you apply for it online or in-store. Many short term lenders can provide instant approval when you apply online, in which case you can usually look forward to receiving the money in your account by the next business day.

With a 30-day short term loan, the repayment terms will be based on your pay schedule and can be debited from your bank account automatically. If you use an in-store short term loan lender, they may instead require that you give them a post-dated personal check for the amount that will be owed.

A selection of loans you can apply for

Check the websites of any providers you’re interested in to confirm they operate in your state of residence.

Rates last updated December 15th, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Max. Loan Amount Turnaround Time Requirements
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
$10,000
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
Same rates
everywhere
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Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
$2,600
1–2 days
Must have an active checking account, regular source of income and email address.
Same rates
everywhere
Go to site More
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
$5,000
1 business day
Must have direct deposit and meet minimum income requirements
Same rates
everywhere
Go to site More
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
Same rates
everywhere
Go to site More
LendYou Short-term Loans
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
$15,000
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
Same rates
everywhere
Go to site More
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
$1,000
1–2 business days
You must be at least 21 and an American citizen and have a bank account, email address and phone number.
Same rates
everywhere
Go to site More
ACE Cash Express Short-term Loans
Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
Varies by state
Generally receive the money the next business day
Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
Same rates
everywhere
Go to site More

Compare up to 4 providers

Questions to ask

It is always a good idea to compare your 1 month short term loan options before applying. Here are 3 important questions to consider:

  • What are the fees involved?
    Short term loans charge interest in the form of fees, which are normally charged by every $100 borrowed, and are higher than the fees a conventional loan comes with. While the amount you borrow has a bearing on the fees you end up paying, there are state regulations that will also apply. Make sure to review the loan’s term and conditions so there are no surprises down the road.
  • What kind of repayment flexibility is offered?
    Some lenders allow you to repay the loan amount ahead of time without charging penalties. Some give you other payments methods from which to choose, including credit cards, Western Union and MoneyGram. An important note is to avoid paying late, as this will only incur more fees.
  • What amount do I need to borrow?
    The more you borrow, the more you may be charged in fees. Also, you want to be sure you can repay the loan on time. Consider carefully before accepting a higher amount than you initially asked for, if offered by the lender.

Benefits and drawbacks

Pros

  • You can get the money quickly. Lenders can have your money to you in 1-2 business days, or in as little as a few hours.
  • Use the money however you want. Once you get your money, you can spend it in any legitimate way.
  • You can apply with bad credit. Most short term lenders don’t run credit checks with the three major credit bureaus. They might use Teletrack and look at your ability to manage the repayments, but there are short term lenders that don’t check this either.

Cons

  • The higher than normal fees. While most states have regulations regarding APR, rates can still reach into the thousandth percentile.
  • May not be available in your state. Your ability to apply will depend on the state you reside in.

Check availability in your state

Check the map below to see if payday loans are legal in your state.

Payday loan availability by state

How short term loans work

Bottom line

Getting a short term loan that you can repay in 30 days can help cover you for unexpected emergencies or special occasions, but be sure you compare your options before applying.

What type of loan are you looking for?

Fixed Term

Fixed Amount

7 days
60 days
3 months
5 months
6 months
9 months
12 months
24 months

Frequently asked questions

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US Payday Loans Offers

Important Information*
CashNetUSA Loan

Apply for a short-term loan with an easy online application and dedicated customer service.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

LendYou Short-term Loans

Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

Go to site