short-term loans review

Compare potential offers from multiple lenders by submitting one online form.’s rating: 2.3 / 5.0


  • Best for borrowers looking to compare multiple short-term loan options.
  • Pick something else if you don’t want your information shared with multiple companies.
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Min. Amount


Max. Amount

As soon as next business day

Turnaround time


Min. Amount$500
Max. Amount$10,000
Loan Term3 to 36 months
Turnaround TimeAs soon as next business day
RequirementsDepends on lender requirements, poor credit borrowers may still be able to qualify for a loan. Must live in an eligible state.

Review by

Aliyyah Camp is a SEO content strategist and former publisher at Finder, specializing in consumer and business lending. Her writing and analysis has been featured in CentSai, the Dough Roller and the Chicago Tribune. She holds a BA in communication from the University of Pennsylvania.

Expert review may be a good option if you don’t have the best credit and aren’t sure where to turn to for a loan you might qualify for. It makes things easier by allowing you to fill out one online form to potentially get connected with lenders who may be willing to help.

However, it’s not up front about what rates you might qualify for — though most short-term loans come with APRs in the triple digits. And it gets an F rating from the Better Business Bureau.

If you want more transparent terms or a lender with better reviews, you may be better off comparing your direct loan options instead.

First, am I eligible?

  • Be at least 18 years old.
  • Provide proof of citizenship, such as a Social Security number, or legal residency.
  • Have a regular income, either from full-time employment, self-employment, or disability or Social Security benefits.
  • Have a checking account in your name.
  • Provide work and home telephone numbers.
  • Provide a valid email address.


  • Quick application for multiple lenders
  • No fee to apply
  • Lenders offer up to $5,000


  • Not up front about potential rates
  • Reviews are mainly negative
  • Your personal information may be sold as a “lead”

See how compares to other lenders

1 - 0 of 0
Name Product Filter Values Loan amount Turnaround time Requirements
Fast5kLoans Short-term Loans Connection Service
Finder Rating: 3.5 / 5: ★★★★★
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.
LendYou Short-term Loans
Finder Rating: 2.5 / 5: ★★★★★
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$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.
CashUSA Installment Loans
Not rated yet
CashUSA Installment Loans
$500 to $10,000
As fast as same business day
Regular source of income, Bank account, US citizen or permanent resident, Age of majority in your state
Explore its online education center to get tips on budgeting, how to prioritize your bills and more. Payday Loans
Not rated yet Payday Loans
$100 to $999
Varies by lender
Employed, at least $1,000 in monthly take-home pay, valid checking account, US citizen, over 18, valid home and work phone number, valid email address, resident of eligible state.
Use its repayment calculator to see how the loan term and amount you borrow affects the overall cost.

What do customers say about

BBB accreditedNo
BBB ratingF
BBB customer complaints2
Trustpilot score2.7 out of 5, based on 10 customer reviews
Customer reviews verified as of30 August 2022
Many reviewers complained that’s website doesn’t provide much information up front. Multiple users also said they received emails soliciting short-term loans after submitting an application. This isn’t uncommon for a connection service — but it does mean you may want to opt for a direct lender instead.

How do I get started?

Follow these steps to get connected with a lender:
  1. Scroll to the top of this page and click Go to site to be redirected to
  2. Select your requested loan amount and enter your email, then click Get Started.
  3. Select your general credit range and the reason for your loan.
  4. Enter your full name, date of birth and select if you’re active-duty military. Click Continue to Step 2.
  5. Enter your contact information, employment details and bank account information. Click Continue to Step 3.
  6. Enter your bank’s routing number and your bank account number.
  7. Read over the privacy policy, terms of use and e-consent documents. Click Submit Information.

What information do I need to provide?

When you fill out the online form, you’ll need to provide the following information:

  • Driver’s license or state ID number
  • Social Security number
  • Estimated gross monthly income
  • Bank account numbers

What happens after I submit the form?

If is able to connect you with lenders in its network, you can select the one that best suits your needs. will then redirect you to the lender’s website where you can complete a full application.

How do repayments work with

Because isn’t a direct lender, you won’t make any loan payments to it. Read your loan contract or get in touch with your lender for more information on how to make payments.

Not sure is right for you? Compare your other options with our guide to short-term loans.

Frequently asked questions

Short-term loan ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze short-term loan providers and similar services to help you weed out predatory lenders and find a company you can trust. We rate providers on a scale of one to five stars. Our ratings are based on factors that are most important to you, which include: loan amount, application process, fees, customer reviews and borrower experience.

Read the full methodology of how we rate short-term loan providers and similar services.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • 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 Terms of Use and Privacy and Cookies Policy.


    Default Gravatar
    May 10, 2019

    Haven’t been contacted about loan, why?

      Default Gravatar
      May 11, 2019

      Hi Patricia,

      Thanks for getting in touch with Finder! The approval process for this lender is typically quick. Once you’ve been connected with a lender, you’ll be able to submit your application and see if you’ve been approved for a short-term loan. If you want to contact the lender, you can go to the part of the page that says “How do I contact if I have a question?” You can find the company contact information there.

      As a friendly reminder, review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      Hope this helps!

      With care,

    Default Gravatar
    April 8, 2019

    I recently was notified of being approved for a high amount loan here in Florida by a company in California. The interest is right and loan using term is 36 months. So also seems right. But when I try to Google this company using their site on their paperwork nothing under their name comes back. What should I do with this?

      Avatarfinder Customer Care
      April 9, 2019

      Hi Ray,

      Thank you for getting in touch with Finder.

      You can also check if the business is registered in SBA, FCA and IRS. If not, you may then send your complaint to this government page.

      Our guide on how to avoid a personal loan scam is a good reference to protect yourself from two common scams you might encounter when applying for a personal loan.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    January 8, 2019

    I started my application with Bad Credit Loans, however I don’t want to give out my employer’s phone number. I entered a fictional number. If they want proof of my employment I can email them my last pay stub (scanned).
    Some of the questions are very personal, and I am always afraid of scams. Another question they have on the application is about my checking account information. They say it’s for the lenders to know where to deposit the money IF I get approved (very fishy!)
    Should I call them directly, instead of finishing the application online?

      Avatarfinder Customer Care
      January 10, 2019

      Hi Jane,

      Thank you for reaching out to finder! It seems like you have already selected a lender for this. Online applications are secure so long as you go directly to the site of the lender. If you are half-hearted about completing the application online, then yes you can call them directly instead of placing fictional information that might affect the application.

      Hope this helps!


    Default Gravatar
    October 10, 2018

    Hi i need a loaf what’s the least credit score you guys approve. And if i get approved how do i pay back in small payments or one full

      Avatarfinder Customer Care
      October 11, 2018

      Hi Leslie,

      Thank you for leaving a question.

      You may need to directly contact regarding your queries since these are specific to the application process. You can email your questions to or call 1-800-245-5625 for more information. Hope this helps!


    Default Gravatar
    August 9, 2018

    I just applied for a loan got approved but noticed that my checking number was wrong. Tried going back to fix now I can’t! What do I do?

      Default Gravatar
      August 9, 2018

      Hi David,

      Thanks for leaving a question on Finder.

      Sorry to hear. You can contact directly. Press the “Find out more” button to be redirected to their website. From there, please scroll down at the bottom of the page and you will see “Support”, click on contact us to show their contact info including phone and their email address. They should be able to fix this on their end.


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