Fast 1 month payday loans - Up to 30 days to repay | finder.com

1 month short term loans to get you cash now

Short term loans with a 1 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 Loans

Apply for a payday loan conveniently online and borrow any amount between $50 and $1,000.

  • Minimum loan: $50
  • Maximum loan: $1,000
  • Turnaround: 1–2 business days
  • Loan term: Varies by state

    Looking to apply for a 1 month short term loan? Here’s what to know

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

    Payday loan availability by state

    How 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 February 19th, 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 Maximum Loan Amount Term of Loan Turnaround Time Requirements
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
    $250
    7–30 days
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    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
    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
    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
    Varies by state
    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 Payday 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
    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.

    The 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*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    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.