best payday loans

The best short term loans for you

How can you find the “best” short term loan? You’ll know by the end of this page.

There are times in life where you might need money in a hurry. Your car may have run into trouble a few days before payday, a large expense may crop up that you hadn’t budgeted for, or perhaps your budget just feel short this month.

If you find yourself in a situation where you’re considering a short term loan, also called a short term loan, you may be wondering how you can compare your options to find the best one.

LendUp Payday Loans

LendUp Payday Loans

Apply for a payday loan conveniently online and borrow between $100 and $250.

  • Minimum loan amount: $100
  • Maximum loan amount: $250
  • Turnaround time: 1 business day
  • Loan term: 7–30 days
  • Good credit not required
  • Confidential and secure

    A selection of loans you can apply for

    Here are some loan providers that you can apply to. Note that the max loan amount is based on the lender’s max amount and your state of residence. Check the websites of any providers you’re interested in to confirm they operate in your state of residence.

    Rates last updated May 25th, 2017
    Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
    Maximum Loan Amount Term of Loan Turnaround Time
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required.
    $250 7–30 days 1 business day Go to site More
    OppLoans Installment Loans
    Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on your state.
    $5,000 9 to 24 months 1 business day 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.
    $1,000 Varies by state 1–2 business days Go to site More
    Check City Payday Loan
    Apply for a fast, secure and confidential payday loan — even with less-than-perfect credit.
    Depends on state of residency Varies by state Next day Go to site More
    CashNetUSA Loan
    Apply for short term loans, installment loans or lines of credit in 30 states typically with a day’s turnaround.
    $2,250 Varies by state 1 business day Go to site More
    ACE Cash Express Payday Loans
    Quick short term, installment and title loans come with no prepayment penalty and a 72-hour satisfaction guarantee.
    Varies by state Varies by state Generally receive the money the next business day Go to site More

    Have we missed anything in the comparison table? Tell us

    • If the provider quotes a different rate to the one above please let us know

    A selection of lender matching services you can apply with

    These lender matching services are not lenders, loan brokers or agents for any lender or loan broker. They also do not make credit decisions. They focus on trying to match you with a lender that might be able to provide you the funds you seek. Note that the max loan amount is based on the matching services max amount, but it will vary based on your state of residence. If you proceed with one of these services, confirm that the lender is reputable by checking with your local government.

    Rates last updated May 25th, 2017
    Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
    Maximum Loan Amount Term of Loan Turnaround Time
    Bad Credit Loans Personal Loans
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    $5,000 3 to 60 months Varies based on lender Go to site More
    CashAdvance.com Payday Loans
    Whether for emergencies or unexpected expenses, this broker may be able to match you among its nationwide network of lenders.
    $1,000 Up to 12 months 1–2 days Go to site More
    TriangleCash Payday Loans
    If you have bad credit or no credit history, apply to be matched with a network of lenders for funding at rates that vary by state.
    $1,000 Varies based on lender Instant approval Go to site More
    TrustedPayDay.com Payday Loan
    Apply for a short term loan of up to $1,000 — even with poor credit — through this lending broker.
    $1,000 2-60 months As soon as tomorrow Go to site More

    Have we missed anything in the comparison table? Tell us

    • If the provider quotes a different rate to the one above please let us know

    What features make a short term loan the best for you?

    When you’re searching for a short term loan you can ask yourself a few questions to narrow down your options and find the right one. Make sure to pay attention to the following points:

    • Do you need a secured or unsecured loan? Finding a short term loan that doesn’t require any form of collateral should not be difficult, but there are certain short term loan providers that require you to provide collateral in the form of your car’s title. These are referred to as car title loans, with the loan amount based on the amount of equity you hold in your car.
    • Is there a store network and online presence? Any lender that calls itself the best short term loan company should offer you convenience when it comes to borrowing. This may mean they have a wide network of stores across the country or that they let you apply and manage your loan online.
    • How long does it take to process the loan? Some of the best short term loans of 2017 ensure that you get access to the required funds the following business day. In fact, lenders who accept in-store applications even provide instant short term loans where you get money immediately after the loan’s approval. A limited number of lenders provide instant online short term loans, but require that you use a particular debit card for the transfer.
    • Are you aware of all the fees? While some of the best short term loans provide quick access to funds, take the time to find out just how much you’ll have to pay in the form of fees. The best short term loan company in this regards is the one that charges the lowest fees. Remember that how much you borrow affects the fees, as do state regulations which vary from one state to next.
    • Does the lender accept bad credit applications? If you’re looking for the best bad credit short term loan, take into account that most short term lenders accept applications from individuals who don’t have good credit history. If the lender you’re looking at requires good credit history and you aren’t eligible, simply move on to the next.

    Short Term Loans

    Benefits and drawbacks

    • You can get your money quickly.
      When you’re applying for one of the best short term loans of 2017, you can get your money immediately after approval, provided you apply in-store. With certain lenders you can apply online, and then rush to your nearest store to collect the approved funds. Most good providers of online short term loans transfer approved funds to your bank account the next business day.
    • Freedom to use the money as you like.
      You can think about applying for a short term loan no matter what reason you need the money for. Once you get your money you can use it to pay bills, repair your car, or just get that extra cash you need to see you through.
    • You can still apply if you have bad credit.
      If you suffer from poor creditworthiness, you probably don’t stand too much of a chance in getting a loan from a prominent bank. Short term loan providers normally accept applications from people with poor credit histories, but make sure you compare other aspects when looking for the best bad credit short term loan.
    • Higher than normal fees.
      Even the best short term loan company will charge fees for providing loans, and short term loans tend to attract higher fees in comparison to conventional loans. A general rule of thumb is that the more you borrow, the more you pay in the form of fees.
    • Disreputable lenders.
      If a short term lender sounds great and is offering rates too good to be true, be sure to find out if they are. Ensure the lender complies with all relevant state regulations and that they are operating legally.

    Need cash quick? Let’s work out your best options

    Anything that isn’t ‘the best’ with these loans?

    Before you apply, ensure that you won’t have any problems in repaying the loan, and if you think you might have trouble, avoid applying in the first place. No matter how good a loan might seem, make sure you take some time to review the loan contract carefully because this gives you a clear picture of the fees you’ll have to pay as well as other terms and conditions surrounding your loan.

    Know that even the best short term loans can end up costing much more than originally anticipated, especially if you don’t repay your loan on time.

    Get a short term loan and have access to your funds through a prepaid debit card

    Questions you might have asked

    We understand that you may be cautious when applying for short term loans. Here are some of the questions our users have asked.

    Applying for a short term loan should take around five to ten minutes, provided you have all the information needed to complete the application close at hand.

    While certain lenders who provide online short term loans don’t require faxing of any documents, some others do.

    Yes. You should have a steady job or earn a regular income, you should be a US citizen or permanent resident, and you should be old enough to apply as per state regulations.

    You’ll have to repay the loan on your next payday, which can be up to 30 days from the date you get the loan. Most lenders require your bank account information so they can debit the repayment amount directly on the given due date.

    If you apply in-store, you can provide a post-dated check at the time of application. Some of the best short term loans of 2017 allow you to make early repayments via credit cards, MoneyGram and Western Union.

    Some lenders may let you pay off your loan early – it’s important to check if there are any other fees and charges associated with early repayment.

    Are payday loans available in my state?


    Bear in mind that while the best short term loans will give you quick access to the money you need, there are a number of good short term loan providers vying for your attention, so compare all your options available before applying.

    Now for a short term loan

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    US Payday Loans Offers

    Learn about our information service
    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required.

    OppLoans Installment Loans

    Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on 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.

    Check City Payday Loan

    Apply for a fast, secure and confidential payday loan — even with less-than-perfect credit.

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