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

Compare one-month short-term loans to get cash

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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.

CashUSA Installment Loans

CashUSA Installment Loans
  • Bad credit is OK
  • No application fee
  • Debt education resources

CashUSA Installment Loans

A connection service for quick cash loans up to $10,000.

  • Minimum loan amount: $500
  • Maximum loan amount: $10,000
  • Turnaround time: As early as 1 business day
  • Loan term: 90 days to 72 months
  • Must have a monthly income of $1,000+ after taxes and valid checking account.
Go to site
Promoted

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.

Updated September 17th, 2019
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
$5,000
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
$35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
$2,600
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
Varies by state
1 business day
Regular source of income, bank account, US citizen or permanent resident, ages 18+
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
$15,000
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
$50,000
Same business day to 1 business days
Employed, $800+ regular monthly income, checking account, ages 18+, US citizen
Fill out a simple online form to compare offers from several lenders that may be able to help.
$1,000
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.
$10,000
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
$250
As soon as the next business day
Checking account with ACH, proof of income, Social Security number, ages 18+
Get rewarded for making on-time repayments with better rates and terms on future loans.

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

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site