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Compare one-month short-term loans to get cash

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

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

A selection of loans you can apply for

Name Product Filter Values Loan amount Turnaround time Requirements
B9 pay advance app
Up to 100% of your salary
$500+ in monthly direct deposits into B9 account, checking account, ITIN or SSN, government-issued photo ID
Withdraw 100% of your paycheck with no extra fee for instant funding.
OppLoans Installment Loans
$500 to $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
$1,000 to $25,000
2 to 3 business days
Be employed, have a US bank account, live in a state where Stilt operates, hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
Get a fair loan designed for immigrants and nonresidents.
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Fast5kLoans Short-term Loans Connection Service
$100 to $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.

Compare up to 4 providers

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.

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


  • 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.


  • 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 daysPicture not describedcheckmark$1,000
30 daysPicture not describedcheckmark$1,500
2 monthsPicture not describedcheckmark$2,000
3 monthsPicture not describedcheckmark$3,000
5 monthsPicture not describedcheckmark$4,000
6 monthsPicture not describedcheckmark$5,000
12 monthsPicture not describedcheckmark$10,000
24 monthsPicture not describedcheckmarkCompare more

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