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Compare 3-month short term loans

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Do you want a short term loan that gives you a little longer to repay? There are 3 month short term loans available

Even if you have a regular income and a stable job, you might still find yourself in need of extra money because of a financial emergency or budget shortfall.

Short term loans, also known as payday loans, give you access to funds quickly, but you have to repay them by your next payday. If you don’t like this quick turnaround, there are loans with repayment schedules of 3 months, although not all short term lenders offer these.

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!

    A selection of loans you can apply for

    Rates last updated August 17th, 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
    LendYou Payday 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.
    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.
    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.
    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.
    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.
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
    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.
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.

    Compare up to 4 providers

    Here’s what you need to know about 3 month payday loans

    How quickly you receive your short term loan depends on if you apply for it online or in-store. Many short term lenders provide instant 3 month short term loans when you apply in-store. When you apply on line, you will receive your loan by the next business day.

    You will likely have to provide your bank account details in your application. Repayments are done in installments debited from your account automatically during 3 month period.

    Here are some features of 3 month payday loans

    Comparing 3 month short term loans before applying is always a good idea. Here are factors you should consider:

    • Know the fees involved. Short term loans charge interest in the form of fees, usually for every $100 borrowed. It varies based on the amount you borrow and the regulations of your state.
    • Are applications from people with bad credit accepted? Lenders who offer 3 month payday loans are more relaxed in their requirements and are willing to give you a chance even if you don’t have the best credit history.
    • What kind of repayment flexibility is there? Most lenders require your repayments in the form of direct debits from a nominated checking or savings account. Some lenders allow you to repay the loan amount ahead of time without charging penalties.
    • What is the processing time? Applying for a 3 month payday loan is a quick process. With in-store applications, you could receive your loan immediately after approval. If you apply online, your loan should be available the following business day.

    Benefits and drawbacks of loans repaid in 3 months


    • Approval is quick. If you’re applying for a 3 month short term loan at a store, you’ll get your approved funds as soon as you accept the loan’s contract. If you’re applying online, you’re likely to get your money transferred into your bank account the next business day.
    • The opportunity to use money for different purposes. Once you get your money, there is no restriction on how you can spend it.
    • Bad credit is OK. Being approved for a 3 month short term loan with bad credit is possible because most short term lenders don’t run credit checks with the three major credit bureaus. They often look for your ability to manage repayment.


    • High APR. Payday loans are known to have a high APR, meaning you have to pay much more in fees and charges than you would with a traditional loan from a bank.
    • Automatic payments. While lenders like to list debiting directly from your bank account as a positive, if you don’t have the money to pay back your loan, it could lead to overdrawing–that means more fees.
    • Disreputable lenders. Although short term loans can be a good solution to financial emergencies, you should be on the lookout for lenders who don’t obey state law. Some states don’t allow payday loans, and those who do usually have regulations. Make sure your provider follows all the rules so you stay safe.

    Same Day Short Term Loans

    What should you consider before applying for a 3 month short term loan?

    If you think you might have problems repaying the loan, it’s best you don’t borrow what you can’t afford. Not only will late or missed payments result in additional fees and charges, but they might also impact your credit.

    Read the terms and conditions before you sign the loan contract. This limits the chance of being surprised by fees later on.

    The Best Short Term Loans for you

    The bottom line

    Getting a short term loan that you can repay in 3 months can give you enough time to streamline your finances, but make sure you compare your options before applying.

    Frequently asked questions

    What type of loan are you looking for?

    Fixed Term

    Fixed Amount

    7 days
    30 days
    2 months
    5 months
    6 months
    9 months
    12 months
    24 months

    Are payday loans available in my state?

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    8 Responses

    1. Default Gravatar
      IrisJuly 19, 2018

      Hello, does this company do credit checks? My credit is bad so if so it’s no need of me applying. What is the APR?

      • finder Customer Care
        JhezelynJuly 20, 2018Staff

        Hello Iris,

        Thank you for your comment.

        Just a friendly note that you have reached finder and we are not a financial institution nor we represent any company we feature in our pages. There are still lenders that do not conduct credit checks but may check for employment history, previous debts, and your income to determine your eligibility. This page will guide you on how to obtain a no credit check loan. I hope this helps.


    2. Default Gravatar
      AnnDecember 13, 2017

      I don’t have one just call me thanks

      • finder Customer Care
        RenchDecember 25, 2017Staff

        Hi Ann,

        Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

        If you are interested in applying for 3-month short term loans, please enter your state on the page and it will show you a list of loans that’s available.

        Please click the name of your preferred lender to find out the details and the minimum eligibility. You may then click the green “Go to Site” button to submit your loan application online.

        Best regards,

    3. Default Gravatar
      TonyJuly 26, 2017

      Looking for a loan but I don’t get my check till the 1st of every month who can help me?

      • Default Gravatar
        CarmenAugust 22, 2017


      • finder Customer Care
        MariaAugust 22, 2017Staff

        Hi Carmen,

        As a friendly reminder, finder is a financial comparison website and not a product issuer. It’s best to consult with a lender directly to discuss your eligibility and options.

        There are lenders that consider disability income. You may find useful information on our page on Loans for People on Pension.

        Before applying for a loan, please make sure to read the details, as well as the relevant PDS/ T&Cs of the loan option before making a decision and consider whether the product or option is right for you.

        I hope this helps.


      • finder Customer Care
        HaroldJuly 26, 2017Staff

        Hi Tony,

        Thank you for your inquiry.

        To apply for “3 month short term loans” you should be a US citizen or a permanent resident, meet state specific age requirements, have a regular source of income and have an active bank account in your name. The requirements and eligibility criteria may vary depending on the lender. It would be nice if you can check the details before you proceed on your application. If your checkng account isn’t available yet, you may want to consider this option.

        I hope this information has helped.


    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