1 week payday loans - quick cash and repayment terms | finder.com

1 week short term loans – get cash fast and pay it back with your next paycheck

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.

A short term loan means cash fast — and higher fees

You can see your next payday coming up, but you’re short on cash now and in desperate need. If you’re out of all other options, a 1 week short term loan, also referred to as a payday loan, may help you in a pinch. Using a short term loan lender means money in your pocket fast, with up to 7 days to pay back the loan. It also means higher fees and short repayment terms.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure!

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

    Payday loans are not legal in every state. Check the map below to see if payday loans are legal in your state.

    Payday loan availability by state

    Payday loan regulations by state

    Application criteria

    Eligibility criteria differs between lenders and states, but generally the minimum criteria is:

    • Age. Minimum age requirement is usually 18 years old.
    • Residency. You will need to be a US citizen or permanent resident and show what state you reside in.
    • Income. You may need to meet minimum income requirements or show that you earn a regular income.
    • Employment. Some lenders require you to be employed (and may request proof of your employment).
    • Credit history. The majority of short term lenders do not require you to have good credit history in order to apply.

    How do I repay a short term loan?

    There are a few options available when it comes to repaying your loan. Depending on the lender and the type of loan you have applied for, you may be able to use any of the following options to repay your loan:

    • Direct debit repayments. To make repayments this way you will need to provide an ACH authorization so the lender can debit your account. Before you sign the authorization make sure you know what dates the repayments are due to come out so you can be sure to have enough money in your account, and also know how to end the authorization.
    • Post-dated check. This is another repayments option offered by lenders, mostly by those who have physical branches. This method involves you giving the lender a check that it can cash on the day your repayment is due. Remember to make note of the payment date.

    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 October 21st, 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.
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    Same rates
    Go to site More
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    1 business day
    Must have direct deposit and meet minimum income requirements.
    Same rates
    Go to site More
    LendYou Short-term Loans
    Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    Same rates
    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.
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    Same rates
    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
    Go to site More
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    1–2 days
    Must have an active checking account, regular source of income and email address.
    Same rates
    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
    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
    Go to site More

    Compare up to 4 providers

    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 use it for any legitimate purpose.
    • 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.


    • 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.

    Is there anything to consider before applying?

    Make sure you know exactly how you’re going to repay the loan in 7 days. If you think you may not be able to repay the loan on time, it’s best that you don’t take the loan at all. You could end up paying a large sum in fees, and your credit rating might suffer even more.

    The bottom line

    Getting a 1 week short term loan can help cover you for unexpected emergencies or special occasions, but with higher-than-average fees, be sure you compare all your options before applying.
    How short term loans work

    What type of loan are you looking for?

    Fixed Term

    Fixed Amount

    30 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 only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

    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.

    Go to site