couple online loans

Yes! You can borrow money online with serious speed

Information verified correct on March 26th, 2017

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

What are my options?

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!

    Online Short Term Loan options ⇉ Same day

    Here are some 1 – 2 business day loan providers that you could apply with:
    Max loan amounts are only an indication by the provider
    The max loan amount is based on the provider’s max amount that they will assess when you are applying, this amount will also vary based on your state of residence. The amount shown here is an indication by the provider of their max loan sizes.
    Rates last updated March 26th, 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.
    Interest Rate (p.a.) Maximum Loan Amount Term of Loan Turnaround Time
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    From 260.71% (variable) $1,000 Varies by state 1–2 business days Go to site More
    SWIFT Payday Loan
    Access multiple lenders with a 5-minute application for a cash advance on your paycheck.
    From (variable) $1,000 Varies by lender Next business day Go to site More
    CashNetUSA Loan
    Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.
    From 299% (variable) $2,250 Varies by state 1 business day Go to site More
    OppLoans Personal Loans
    Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on your state.
    From 59% (variable) $5,000 9 to 24 months 1 business day Go to site More
    Cash Central Payday Loan
    Offers high-APR cash loans of up to 32 days deposited directly into your checking account.
    From 0% (variable) $5,000 Varies by state 1–2 business days Go to site More
    ACE Cash Express Payday Loans
    An array of services in 1,000 locations include short-term, installment and title loans with terms that vary by state.
    From (variable) Varies by state Varies by state Generally receive the money the next business day Go to site More
    LendUp Payday Loans
    Climb the LendUp Ladder with this unique borrowing platform offering credit reporting and $250 loans for first-time borrowers.
    From (variable) $250 7–30 days 1 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 March 26th, 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.
    Interest Rate (p.a.) Maximum Loan Amount Term of Loan Turnaround Time
    Bad Credit Loans Personal Loans
    Fast and easy approval for people with bad credit. Qualifications are straightforward and simple.
    From 5.99% (variable) $5,000 Varies based on lender Varies based on lender Go to site More
    CashAdvance.com Payday Loans
    Whether it's an emergency situation or an unexpected expense, that's where Cash Advance® comes in.
    From 200% (variable) $1,000 Up to 12 months 1-2 days Go to site More
    Accredited Debt Relief
    Offering free consultations, Accredited Debt Relief can help you lower your monthly payments and interest rates or get out from under serious debt. Call 1-877-569-5675.
    From 0% (variable) Varies based on lender On average a settlement lasts 2 to 4 years. Varies by lender 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

    Online personal Loan options ⇉ 1 to 5 business days

    NetCredit Personal Loan

    NetCredit Personal Loans

    NetCredit offer you the chance to borrow money as alternative to bank personal loans. As you borrow more your credit score increases and your interest rate becomes lower.

    • Min. Loan Amount: $1,000
    • Loan Term: Varies upon State
    • Turnaround Time: 1 business day
    • Total Costs: Depends on your credit score.
    • Build your credit score - Must be 21+
    • No security needed
    • Confidential and secure!

      Personal loans you can apply for

      Rates last updated March 26th, 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.
      Interest Rate (p.a.) Maximum Loan Amount Term of Loan Turnaround Time
      NetCredit Personal Loan
      You could borrow up to $10,000 and get an interest rate personalized to your credit score
      From 34% (variable) $10,000 Varies upon State 1 business day Go to site More
      Lending Club Personal Loan
      Borrow up to $40,000 with rates from 5.99% to 35.89% APR based on your credit score.
      From 5.99% (fixed) $40,000 Flexible Terms Varies Go to site More
      SWIFT Personal Loans
      Access multiple lenders with a 5-minute application for a cash advance on your paycheck.
      From 0% (variable) $10,000 1-2 days Go to site More
      OppLoans Personal Loans
      Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on your state.
      From 59% (variable) $5,000 9 to 24 months 1 business day Go to site More
      Prosper Personal Loan
      Loans made simple.
      From 5.99% (variable) $35,000 Flexible Terms 1-3 business days Go to site More
      LightStream Personal Loans
      You could borrow up to $100,000 with rates starting from 2.19% fixed, with AutoPay**.
      From 2.19% (fixed) $100,000 Flexible Terms Varies Go to site More
      Avant - Personal Loan
      Borrow up to $35,000 with APRs ranging from 9.95% – 36.00%
      From 9.95% (variable) $35,000 Up to 5 years 1-2 business days 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 March 26th, 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.
      Interest Rate (p.a.) Maximum Loan Amount Term of Loan Turnaround Time
      PersonalLoans.com
      An online loan matching service that connects you with lenders.
      From (variable) $35,000 Up to 5 years 1-2 days Go to site More
      Zippyloan Personal Loans
      This broker can match you to lenders offering $100 to $15,000, often with flexible repayment options.
      From (variable) $15,000 Varies by lender Varies by lender Go to site More
      LendingTree Personal Loan
      What everybody ought to know about LendingTree and the personal loans it provides.
      From 5.99% (variable) $35,000 Varies based on lender If you apply during working hours on a business day you can get access to approved funds within 24 hours. Go to site More
      Accredited Debt Relief
      Offering free consultations, Accredited Debt Relief can help you lower your monthly payments and interest rates or get out from under serious debt. Call 1-877-569-5675.
      From 0% (variable) Varies based on lender On average a settlement lasts 2 to 4 years. Varies by lender 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 options do I have if I want to borrow money specifically online?

      You can turn to an online lender for a variety of different loan products, including:

      • Payday loans Apply online for a payday loan and borrow between $100 and $1,000. Your repayment terms will be set according to how you get paid – weekly, fortnightly or monthly – and are usually set for a maximum of one month.
      • Debt consolidation loans If you have existing debt, whether it be from credit cards, personal loans, business loans or anything else, you can consolidate it with on online debt consolidation loan. Apply online and see how much interest you could save.
      • Home improvement loans Want to increase the value of your home? Online loans to add swimming pools, make general renovations or add extensions are available.
      • Auto title loan If you own a car you can use its title to get an online loan. You maintain full use of the car while paying the loan off, and because the loan is secured you usually enjoy a lower rate.

      How can I find an online loan?

      You can start your search right here at finder.com and compare your options using the table above. When trying to find the right loan, comparing the following will help narrow down your search:

      • Interest rate and fees. This is one of the primary features you should look for when comparing online loans, especially if they are short term. States have different caps for APR and fees so ensure the lender is operating within these.
      • Application and turnaround time. How long does it take to apply and how quickly will you receive your loan?
      • Eligibility. Lenders have different eligibility criteria, with some being more flexible than others. Check to what criteria you will need to meet and if you are eligible.

      What are the benefits of borrowing online?

      • Compare a range of options. There are many lenders operating online and they can all be compared in the one place – this is easier than driving to separate payday lenders and comparing costs in person.
      • Easy application. Once you’ve found the loan you want to apply for you can complete and submit your application in a few minutes, no faxing required.
      • No impact to your credit score. Most payday lenders do not send their data to the three main credit reporting agencies – Equifax, Experian, and Trans Union. Your credit score will only be affected if you have trouble repaying the loan.
      • Receive the loan directly into your account. When you apply for a loan online the money is sent directly to your checking account. Some lenders also give you the option of picking up your loan in-store.

      Online loan vs Other lender’s Repayment costs?

      If you borrowed $1,000, here are the estimated repayments for a 3 year loan:

      Type of Lender

      Estimated Repayment cost

      Turn around time

      Payday loan without a credit checkSee Risks

       

      • ~$6,050
      Same day
      Cash-advance on your credit card
      • ~$1,450
      Instantly
      Online personal loan
      • ~$1,250
      1 to 5 business days
      Federal credit union loan
      • ~$1,150
      1+ weeks
      You loan repayment cost depends on your loan interest rate!
      Your interest rate will determine how much interest you will get charged from your loan and this will change you repayment figure. Usually lenders will determine your interest rate based on your credit file, the better your credit score usually the lower the interest rate, but this is all dependent on what the lender wants to offer you.

      Payday loans are regulated at a state level, so the cost will depend where you are borrowing from. States that regulate payday loans have restrictions on the APR, the cost you can be charged per $100, the loan term and the amount you can borrow.

      Find out the regulations for your state.

      Payday loans are banned in my state – can I still apply online?

      While every state regulates payday loans to a different degree, some states have banned lenders issuing these loans altogether. If the state you reside has banned payday loans then you cannot apply for them online.

      You can, however, apply for a loan if it falls outside of the definition of a payday loan. These include installment loans and auto title loans. Installment loans are similar to payday loans except you pay the loan off over a longer period, while auto title loans are secured against your car.

      How you can borrow money online

      Comparing your loan options and finding one you’re eligible for should be your first step, which you can do on this page. When you find a lender to apply with, click “Go to Site” to submit your online application – you’ll need some of the following details on hand:

      • Personal. Details to identify you, such as your social security number, ITIN or Alien Registration number, along with your name and contact information.
      • Financials. Information regarding your income, including how often you receive it and where it comes from – employment, benefits, etc.
      • Banking. Details of your checking account and your bank’s routing number will be required.

      If you’re in need of funds, know that you can borrow money online to get the funds you need, when you need them. Make sure you compare the loans available to you before you apply.

      Frequently asked questions about online loans

      Can I get an online loan funded on the weekend?

      There are some lenders that offer online weekend loan funding, but this usually requires you to pay a fee or pick up your cash in-store.

      Am I eligible for an online loan?

      Eligibility criteria differ between lenders and states, so you will need to check this before you apply. Generally, you will need to be over a certain age (this can range from 18-21), be an American citizen and show that you are able to repay the loan. If you’re applying online you’ll need to have an operational checking account.

      Payday loans are illegal in my state – what other options do I have?

      If you’re unable to take out a payday loan in your state you still have other options available to you. You can consider a peer-to-peer loan, an online installment loan, a credit card cash advance, an auto title loan, or approaching a bank or credit union for a personal loan.

      Is it safe to apply for a loan online?

      You should check that the lender has a secure and legitimate website before submitting your application. You can check whether it has an “about us” or “contact us” page, whether it is a direct lender or lead generation company, and whether it is transparent about its fees and information. If you cannot find enough information on the loan you’re applying for you may not want to apply.

      Alternatives to borrowing from a lender

      If your worried you don’t have a good enough credit score, or you have bad credit try these ideas:

        • Ask for more time

      If you have a bill and you know you are just not going to be able to pay it, give the company a call and ask for more time. You will be surprised that most companies just want to know that you will pay not that you need more time. If you can’t pay the bill at all, this will be a different story, but the company usually just wants to know when they can expect payment. Ask for a repayment representative and see if they can waive the late fees, get more time or even work out a more flexible repayment schedule.

        • Ask your family or a friend

      Ask your family or a good friend to lend you some money, but make sure you agree to repayment terms. Nothing can kill a great relationship like never repaying money to them.

        • Ask your employer

      Some employers could give you an advance on your wages, and some big companies have employee loan assistance programs. If you opened up a discussion with your manager around this you might even be able to discuss ways in which you can earn some more money with the company? You may even have been doing such a good job you could get a bonus? Have a think about any ways you could quickly earn some more money with your employer because they already trust you and they can pay you quick.

        • Sell something

      What could you sell today that will give you some money? Baseball cards, Stamps, Rare coins, an old cell phone, an old stereo. Look around your house and try and find something to sell, you could quickly put it on Craigslist and get some quick bucks!

        • Do some “quick cash” jobs

      Check the “gigs” category on craigslist for some quick cash in hand jobs. Writing, manual labour, event coordination, creative or design work, database work, pet sitting or even housesitting. Tips: If you want quick cash avoid listings that say “great experience” or “ideal for exposure”, these are jobs for people trying to get their foot in the door. Another tip is to try and get a few similar gigs together and compare compensation so that you can get the most money for your time.

      Are payday loans available in my state?

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      US Payday Loans Offers

      Learn about our information service
      Check into Cash Payday Loan

      With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

      LendUp Payday Loans

      Climb the LendUp Ladder with this unique borrowing platform offering credit reporting and $250 loans for first-time borrowers.

      SWIFT Payday Loan

      Access multiple lenders with a 5-minute application for a cash advance on your paycheck.

      CashNetUSA Loan

      Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.

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