Compare $1,000 cash loans

When you need $1,000 as soon as possible, an installment loan might be your best bet. These loans are costly, but most providers offer loans as soon as tomorrow.

Top $1,000 loans

Finder Rating: 4.4 / 5

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OppLoans Installment Loans

$500 - $5,000
Loan amount

1 business day
Turnaround time

Online application

• Info
• Features
• Details

Opploans is still a short-term lender — so expect rates of 160% when you borrow. But unlike many of its competitors, that's the maximum amount you'll pay in most states. There's no risk of an APR above 200%, which makes it a good choice among other expensive options. Its highly-rated customer service, wide state availability and ability to improve your credit also help it stand out from other providers.

• APR capped at 199%
• May help build credit
• Courses on financial literacy available

• Income must be through direct deposit
• High minimum monthly income requirements

Product Name	OppLoans Installment Loans
Min. Amount	$500
Max. Amount	$5,000
Loan Term	9 to 24 months
Loan Security
Turnaround Time	1 business day
Costs	59%–199% APR, varies by state
Requirements	Direct deposit, meet minimum income requirements, live in eligible state

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Speedy Cash Short-term Loans

$50 - $26,000
Loan amount

1 day
Turnaround time

Online application

• Info
• Features
• Details

Although not every product is available in every state, Speedy Cash offers a wide range of short-term loan options to its borrowers. However, its payday loans max out under $1,000, so it may not be the best choice if you want to avoid the monthly repayments that come with installment loans. And like most lenders, it requires you to have a bank account — even if you decide to apply at one of its stores.

• Prepaid debit cards available
• Apply online or in store
• Wide variety of loans available

• Not fully transparent about fees
• Loan types limited by state
• May not improve your credit

Product Name	Speedy Cash Short-term Loans
Min. Amount	$50
Max. Amount	$26,000
Loan Term	Varies
Loan Security	Unsecured
Turnaround Time	1 day
Costs	Varies by state regulations.
Requirements	Must be 18+ years old (19+ in AL) and have valid ID, proof of steady income, an open checking account and working phone number.

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ACE Cash Express Short-term Loans

Varies by state
Loan amount

As fast as same business day
Turnaround time

Yes
Online application

• Info
• Features
• Details

The key difference between ACE Cash Express and its competitors is your ability to return your loan amount without paying interest. If you decide not to borrow within 72 hours after receiving your loan funds, you can return it at no charge. But like all short-term lenders, the types of loans you have access to will depend on your state — and you'll still face high rates if you do choose to borrow.

• 72-hour refund period
• Apply online or in store
• Payday and title loans also available

• Not fully transparent about fees
• Loan types limited by state
• Limited serviced states

Product Name	ACE Cash Express Short-term Loans
Min. Amount
Max. Amount
Loan Term	Varies by state
Loan Security	Unsecured
Turnaround Time	As fast as same business day
Costs	Varies depending upon the state where you reside.
Requirements	Steady source of income, checking or savings account, not currently in bankruptcy, ages 18+

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CashNetUSA Loan

Up to $500
Loan amount

As fast as same business day
Turnaround time

Online application

• Info
• Features
• Details

While there are some short-term lenders that offer lines of credit, CashNetUSA is one of the few that offers them in several states. It's also transparent about the cost of its loans. So while they're expensive, you'll know exactly how much you'll be spending before you apply.

• Lines available in 10 states
• Transparent APR
• Payday and installment loans also available

• Faced government action in 2015
• Extensions may be available

Product Name	CashNetUSA Loan
Min. Amount
Max. Amount	$500
Loan Term	Varies by state
Loan Security	Unsecured
Turnaround Time	As fast as same business day
Costs	Varies by state
Requirements	Regular source of income, bank account, US citizen or permanent resident, age of majority in your state

How to get a $1,000 loan

1. Make sure you’re eligible. Lenders look at factors like where you live and your income when you apply for a loan.
2. Compare lenders. Use the table below to find a lender that offers $1,000 loans you can qualify for.
3. Apply. Found a lender you like? Click the Go to Site button on our table to get started on the application.
4. Review your offer. Lenders will contact you within a few minutes with an offer if you’re approved. Read it carefully before signing anything.
5. Get your $1,000. You can usually get your money deposited into your account as soon as one business day.

How much will the loan cost?

How much your loan costs depends on the APR and the loan term.

Installment loans might work with bad credit borrowers, but they’re expensive. It’s common for rates to top 100%and usually you have between three and 12 months to repay an an installment loan. A shorter loan term might give you higher monthly repayments but it’ll help you save on interest.

Use our calculator below to figure out how much a $1,000 loan will cost you.

Am I eligible for a $1,000 loan?

You can generally get an installment loan if you meet the following criteria:

• Over 18 (19 or 21 in some states)
• Have a steady source of income
• Live in an eligible state

Most installment loan providers don’t operate in all states due to regulations. However, you can often find an installment loan even if you have bad credit or rely on government benefits.

Are $1,000 personal loans available?

Yes. There are some lenders like PNC or Upstart that offer personal loan amounts as low as $1,000. However, these are more difficult to qualify for — you may not qualify if you have bad or fair credit. If you do have good credit, consider borrowing a larger personal loan and simply repaying what you won’t use. This will help lower the cost of borrowing significantly and prevent you from paying the excessive fees charged by short-term lenders.

Can I get a $1,000 loan with no credit check?

No credit check loans are available, but you should consider if applying for a loan with no credit check is necessary. Most short-term lenders will consider you for a loan even if you have a few bad credit listings on your file.

Check the eligibility criteria listed for both bad credit and no credit check lenders and see which one best meets your needs.

A no credit check loan can be very risky

What to know when comparing $1,000 loans

How you compare your options largely depends on whether you’re applying for a payday loan or a standard $1,000 loan. Below, we’ve broken down what you need to know.

• Am I eligible? Don’t waste your time applying for a loan you can’t qualify for. Check your eligibility first.
• What is the APR? Installment loans are generally expensive, but some providers offer more competitive APRs than others.
• What is the term of the loan? Try to find the shortest term that you can comfortably afford to save on interest.
• What are the fees? While fees are included in the APR, it’s good to be aware of the charges you might have to pay upfront.
• What’s the lender’s reputation? See what other borrowers have to say by reading reviews on sites like Trustpilot and the Better Business Bureau.

How do you know if a lender is legit?

Compare short-term loans

Are payday loans available in my state?

How to increase your chances of being of approved

While there is no definite way to make sure a lender approves your application, it could help your application to keep the following in mind:

• Establish eligibility criteria. On each finder.com loan review page, you’ll find a list of eligibility criteria you need to meet in order to be approved for the loan. Take some time to go through these before applying. If you have doubts about any part, you can always call the lender.
• Go through your credit report. It’s a good idea to get a free copy of your credit report online before you apply. Understanding of your credit history will put you in a better position to know what loans you can and can’t apply for.
• Limit your applications. Every time you apply for a loan, it counts as an inquiry on your credit report. Submitting too many applications can negatively affect your credit score. If you want to compare your options without going through the hassle of applying to multiple lenders, try a lender-matching service instead.

Compare short-term loans

What to avoid

When you look for a $1,000 loan, bear in mind that it can come with associated risks:

• Avoid taking on more debt than you can handle and exercise caution throughout the loan process.
• A short repayment period and high fees translate into high repayments.
• You can avoid high interest rates by comparing multiple lenders. Remember to consider all costs, including financing fees if applicable.

Compare more lenders that offer $1,000 loans

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

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Name	Product	Filter Values	Max. Loan Amount	Turnaround time	Requirements
Fast5kLoans Short-term Loans Connection Service			$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.	Go to site More Info		loading Fetching your data...
OppLoans Installment Loans			$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.	Go to site More Info		loading Fetching your data...
LendYou Short-term Loans			$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.	Go to site More Info		loading Fetching your data...
Slam Dunk Loans			$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.	Go to site More Info		loading Fetching your data...
Monevo Installment Loans			$100,000	Varies by lender	Credit score of 500+, legal US resident and ages 18+.	Quickly compare multiple online lenders with competitive rates depending on your credit.	Go to site More Info		loading Fetching your data...

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What type of loan are you looking for?

Fixed Term		Fixed Amount
7 days		$1,000
30 days		$1,500
2 months		$2,000
3 months		$3,000
5 months		$4,000
6 months		$5,000
12 months		$10,000
24 months		Compare more

Frequently asked questions about $1,000 loans

• Am I eligible for a loan?

  The eligibility criteria differs depending on the lender. To see if you’re eligible for a loan, simply click on the name of a lender from the table above and review the eligibility criteria.

• Do I need to fax documents in order to apply?

  Most short term lenders operate solely online and have dedicated loan approval systems that make it easy for you to apply. This means not many lenders require you to fax any forms to them – your finances and identity are usually verified online.

• How quickly do I need to repay my loan?

  Repayment terms vary, but short term loans are designed as short term financial solutions and so will usually be repaid quickly. Most short term lenders schedule your repayments so your entire loan is repaid in one to two months.

• How do I make a repayment?

  Most lenders will direct debit the specified loan amount on the repayment due date. This direct debit will be from your selected bank account.

• What are the interest rates and fees charged on my loan?

  Fees vary by lender and depend on factors such as the amount you borrow and your pay back duration. There are additional fees for late payments and if you default. It’s important to make sure you can pay the loan back on time.

• I'm having trouble repaying my loan – what do I do?

  It’s important to get in contact with your lender as soon as possible before the loan repayment is due. If you do this, you may be able to avoid late payment fees. Many lenders will be able to reschedule payments. In any situation, speaking to your lender is a good place to start.