Editor's choice: OppLoans Installment Loans
- Easy online application
- Quick approval
- Fast funding
- Long repayment terms
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Sometimes you can land in a financial crisis with even the best planning. Even if you’ve got less-than-perfect credit and find yourself in a financial rut, you have options.
Short-term loans, also called payday loans, can be helpful when emergencies strike and other options run dry. If you need cash to get you to the next paycheck, read this guide before accepting a loan.#N/A
You can apply for a loan online or with any storefront lender that operates 24/7. When you apply in store, you can often have your money in under an hour. Online lenders can take a bit longer — about a business day for the funds to be transferred into your checking or savings account.
These types of loans are usually due in full on your next payday. Rates, maximum loan amounts and repayment terms vary by lender, your state of residence and your eligibility.
Check to see if any of these lenders provide loans in your state.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
If you’re short on cash and need it over the weekend, you might be able to get the funds in your hand on Saturday or Sunday. Your best bet would be to apply for a short-term loan at an in-store lender in your area, where you might be able to pick up the cash that day. Here’s a list of short-term loans in your city to see if there are any locations near you.
Otherwise, if you apply through an online lender, the earliest your funds will normally be disbursed if you’re approved would be the next business day, i.e. Monday. There is an exception, however. Some short-term lenders operate outside of normal hours and offer loan disbursements on Saturday and Sunday if you go to the store to pick up your money. Still others offer short-term loans on a prepaid debit card. If you already have one that’s eligible to use, you could get your funds faster than with a bank account transfer. All of these scenarios ride on the particular lender’s terms and conditions, so check with them first to see when they’ll be able to get you your funds before agreeing to the loan.
When you’re in urgent need of money, even a bad deal can look good. Be sure to compare lenders to get a loan with the best rates that fits your needs. Here are some things to consider:
Short-term loans can be costly in the long run. If you have to rollover a remaining amount because you can’t pay it off, it can lead to further fees and charges and potentially damage your creditworthiness. Be sure to plan a budget for repayment before taking out the loan and compare your short-term loan options to make sure you’re getting the most affordable terms.
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