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If you need money, there are ways you can get it safely and quickly

There are times in life where you need money for a late bill or an emergency expense, but you might not know where to start on an often time-consuming and frustrating process. Our article below outlines the ways you can borrow money fast so you don’t have to spend time worrying about filling the gap between paychecks.

Check into Cash Payday Loan

For fast cash: Check Into Cash

Get a quick and convenient payday loan to cover what you need.

  • Min. Loan Amount: $50
  • Max. Loan Amount: $1,000
  • Turnaround Time: 1–2 business days
  • Loan Term: Varies by state
  • Must have a checking account, have regular income and be 18+
  • No security deposit needed
  • Confidential and secure

    Credit card cash advances

    A credit card cash advance is a cash loan you take out through your credit card. You can typically get a same day credit cash advance one of three ways: by visiting the bank location, by withdrawing money from an ATM or by having the money deposited into your checking account. The amount you can borrow is usually a percentage of your credit limit.

    Fees are either a lump sum or a percentage of the amount being borrowed. Although you can repay the cash advance over a long period of time, interest accrues on the balance immediately.

    You need a credit card in good standing to withdraw money from, and it has to have an available credit limit for you to borrow from.

    Find out more about credit card cash advances and payday loans here

    Short term loans

    An online short term loan, also known as a payday loan, is a lending option that gives you access to money quickly and typically comes with a brief repayment period.

    Online short term loans have less strict requirements than a traditional loan, but they tend to come with much higher interest rates.

    One way to minimize how much a short term loan will cost is to only borrow the amount of money you need to cover your expenses and to choose the shortest repayment period you can afford. For example, you may only need $200 to last you until your next payday. Borrowing a smaller amount of money and paying it back quickly will help you afford the repayments.

    Compare your short term loan options

    Rates last updated October 20th, 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
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    $10,000
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    $5,000
    1 business day
    Must have direct deposit and meet minimum income requirements.
    LendYou Short-term Loans
    Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
    $15,000
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    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
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    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.
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    $2,600
    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.

    Compare up to 4 providers

    Personal loans

    A personal loan is a form of credit offered by many lenders and financial institutions. They generally come with lower interest rates and higher maximum amounts than a credit card cash advance or short term loan.

    If you’re able to wait a few days to receive your funds, a personal loan could be an affordable option to borrow the money you need.

    The eligibility criteria for personal loans is usually a bit more strict, requiring good to excellent credit and a regular income. However, there are options available for personal loans if you have bad credit as well.

    Options for borrowing online

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

    • Online short term loans. Some lenders offer same day or even instant approval online. Your repayment terms will vary depending on the lender and your state, but it could be as short as one week.
    • Online auto title loans. 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. Because the loan is secured, you’ll usually get a lower interest rate.
    • Online personal loans. You can apply online for a personal loan through many lenders. Be sure to check the eligibility criteria to make sure you qualify for the loan.

    How do you compare online loans?

    You can start your search right here at finder.com and compare your options on our comparison tables. When trying to find the right loan, the following features can help narrow down your search:

    • Interest rates and fees. This is one of the primary features you should look for when comparing online loans, especially if they are short term loans. States have different caps for APR rates and fees so ensure the lender is operating within those restrictions.
    • Application and turnaround time. How long does it take to apply and how quickly will you receive your loan? If you need funds deposited in your account by the next day, a lender who takes three won’t be the best for you.
    • Eligibility. Lenders have different eligibility criteria, and some being more flexible than others. Check to see if you meet the eligibility criteria before applying.

    What are the benefits and drawbacks of borrowing money online?

    Benefits

    • Compare a range of options. There are many lenders operating online, and they can all be compared in one place. This is easier than driving to separate lender locations and comparing costs in person.
    • Easy applications. 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.
    • 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 or having the money deposited onto a prepaid debit card.

    Drawbacks

    • High fees. Expect to see high interest rates. These short term loan options typically end up costing you double or triple the amount you borrow.
    • Disreputable lenders. There are predatory lenders who work to capture you in a spiral of debt. Be careful who you borrow from and always check that they are operating legally.
    • Short repayment terms. If you decide a payday loan is the best option for you, make sure you have the ability to repay it on the due date. A late or missed payment can end up costing you quite a bit in the form of extra charges.

    What you need to borrow money online

    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. Your name, date of birth, Social Security number, and other contact information.
    • Financial. Your income, employment details or government benefits.
    • Banking. Details of your checking account and your bank’s routing number may be required.

    Alternatives to borrowing from a lender

    If you’re worried you won’t qualify for a loan or just want to find a way to get cash without it affecting your credit, there are alternatives.

    Look into picking up side work, borrowing money from a friend or simply requesting more time to repay your debts. These will help you avoid costly interest rates and the potential spiral of debt some people get into with short term loans.

    AlternativeWhat you can do
    Ask for more timeIf you have a bill and you know you’re just not going to be able to pay on time, give the company a call and ask for an extension. You’ll be surprised that many companies will work with you to come up with a repayment timeframe that works for both parties. If you can’t pay the bill at all, you may have less negotiating power. You can try asking to speak with a repayment representative and see if they can waive the late fees, give you more time or even work out a more flexible repayment schedule.
    Ask your family or a friendAsk your family or a good friend to lend you some money. They may be willing to offer you a cash loan with no interest. But make sure you agree to repayment terms. Nothing can kill a great relationship like never repaying borrowed money.
    Ask your employerSome 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.Have you been doing such a good job you could get a bonus? Take a moment and think about any ways you could quickly earn some more money with your employer because they already trust you and they can pay you quickly.
    Sell somethingWhat could you sell today that will give you some money? Some examples are: baseball cards, stamps, rare coins, an old cell phone and an old stereo. Look around your house and try and to find something you don’t use but has value. You could quickly put it on Craigslist or a local reselling app and get some quick cash.
    Do some side gigsCheck the “gigs” category on craigslist for some quick cash jobs. This could include: 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 jobs are typically unpaid and just for people trying to get their foot in the door in a specific industry. Also try find a few similar gigs and compare compensation so that you can get the most money for your time.

    There are even more alternatives to borrowing you can try

    Online loan vs. other lenders repayment costs?

    If you borrowed $1,000, here are the estimated repayments:

    Type of LenderEstimated repayment costTurnaround time
    Short-term loan without a credit check
    See risks
    ~$1,450 if paid back within 3 monthsNext day
    Cash advance on your credit card~$1,150 if paid back within 3 monthsInstant (ATM withdrawal)
    Online bad credit personal loan~$1,600 if paid back in 12 months1 to 5 business days
    Federal credit union loan~$1,400 if paid back in 36 months1+ 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 your 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 short term 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 them altogether. If the state you reside has banned payday loans, then you can’t apply for them online.

    You can, however, apply for a loan if it falls outside of the definition of a payday loan, such as an installment loan or auto title loan. 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.

    Compare installment loans vs. auto title loans

    Are payday loans available in my state?

    Frequently asked questions

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    80 Responses

    1. Default Gravatar
      IzaOctober 16, 2018

      Can i borrow 90,000 for personal loan ?

      • finder Customer Care
        nikkiangcoOctober 17, 2018Staff

        Hi Iza,

        Thanks for your inquiry and for visiting our page.

        You are welcome to apply for a loan.

        As it says on our page: Eligibility criteria differ between lenders and states, so you’ll need to check this before applying. Generally, you’ll need to be over a certain age (this can range from 18-21), be a US citizen or permanent resident and show that you”re able to repay the loan. If you’re applying online, you’ll need to have an operational checking account as well.

        Hope this helps! Feel free to reach out to us again if you need further assistance.

        Regards,
        Nikki

    2. Default Gravatar
      louisSeptember 25, 2018

      Can I be loan some money even though i have no bank accounts?

      • finder Customer Care
        CharisseSeptember 25, 2018Staff

        Hi Louis,

        Thanks for reaching out to finder.

        Yes, there are lenders who will consider you for a loan even if you do not have a checking or savings account however most of these lenders will have higher interest rates and will charge expensive fees.

        You can go to this page to compare lenders which offer no bank account loans. Please note that some lenders listed on this page may require you to have a collateral so before applying, please check the eligibility criteria and the loan terms to see if it best suits your needs.

        Hope this helps.

        Cheers,
        Charisse

    3. Default Gravatar
      AyandaSeptember 21, 2018

      am Ayanda I.will like to get a loan of 10.000,when can I get it u will pay within 2 months am a businessman

      • finder Customer Care
        joelmarceloSeptember 21, 2018Staff

        Hi Ayanda,

        Thanks for leaving a question on finder.

        I noticed you are sending us a message from China. Unfortunately, the lenders featured on our website only caters to residents from the US, Australia, UK, Canada and New Zealand. You will have to check with your local lenders if you are not from those 5 countries I mentioned. Sorry about that.

        Please send me a message if you need anything else. :)

        Cheers,
        Joel

    4. Default Gravatar
      AimeeSeptember 21, 2018

      WOULD I BE ABLE TO BORROW MONEY WITHOUT A BANK ACCOUNT

      • finder Customer Care
        joelmarceloSeptember 21, 2018Staff

        Hi Aimee,

        Thanks for leaving a question on finder.

        Yes. But it will likely cost you more than the average personal loan. That’s because many of your options fall into the category of short-term loans. These loans come by many names: payday, auto title, pawn, debit card and signature loans. What makes them expensive are fees and APRs that can top out at 700% or more.

        A checking account, however, opens the doors to stronger lenders and could help you potentially qualify for competitive rates, if you have good credit.

        Please click HERE to compare no-bank-account loans.

        Please send me a message if you need anything else. :)

        Cheers,
        Joel

    5. Default Gravatar
      NaiduSeptember 7, 2018

      I am Indian. I want 10000inr. But I have no securities and job and bank account. Help me.

      • finder Customer Care
        johnbasanesSeptember 7, 2018Staff

        Hi Naidu,

        Thank you for leaving a question.

        I understand that you are needing money right now. There are options available in India when it comes to borrowing money. You may want to approach local lenders and banks in your area and check your eligibility in taking out a loan. I hope this helps!

        Cheers,
        Reggie

    6. Default Gravatar
      MwanjaAugust 23, 2018

      I need a loan to process some documents for my transport company. Will I be approved for $1000 USD at an interest not beyond 5%?

      • finder Customer Care
        JhezelynAugust 24, 2018Staff

        Hello Mwanja,

        Thank you for your comment.

        You can actually compare your options above if you want to apply for a loan within your preferred interest rate. You just need to enter your state of residence and click the Show me my Options button. By the way, depending on your preferred type of loan, as long as you have a stable income and can do repayments, you may apply for short-term loans and payday loans.

        I can’t tell if you’re going to be approved because it’s the lender who will decide. Each lender has their own eligibility criteria so it’s best to get in touch with the lender before submitting an application.

        Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision and consider whether the product is right for you.

        Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

        Regards,
        Jhezelyn

    7. Default Gravatar
      NandAugust 22, 2018

      Plz I need urgently loan thanks

      • finder Customer Care
        johnbasanesAugust 22, 2018Staff

        Hi Nand,

        Thank you for leaving a question.

        On getting a loan, you would need to approach a lender or a bank available in India to assist you in taking out a loan. Depending on their eligibility requirements and documents needed as well as your financial capability to payback the loan, the lender or bank will work with you in evaluating your application. Hope this helps!

        Cheers,
        Reggie

    8. Default Gravatar
      SeethaJune 26, 2018

      Hi sir please help me please I request I begging u sir my mom health problem sir please help me

      • finder Customer Care
        joelmarceloJune 27, 2018Staff

        Hi Seetha,

        Thanks for leaving a question on finder.

        The lenders featured in this page caters to customers in the US. Assuming you are, you need to choose your state of residence from the dropdown above to display lenders who can help you. Before applying for any loan, please ensure that you meet the eligibility criteria and requirements of the loan option or lender and 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.

        Cheers,
        Joel

    9. Default Gravatar
      PrabhakarFebruary 26, 2018

      Hi
      I need $25000 urgently. How do I get

      • finder Customer Care
        joelmarceloMarch 7, 2018Staff

        Hi Prabhakar,

        Thanks for leaving a question on finder.

        You need an installment loan if you need $25K. Payday loans and Installment loan laws vary from state to state so you need to make sure you are choosing your state from the dropdown. Before applying for any loan, please ensure that you meet the eligibility criteria and requirements of the loan option or lender and 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.

        Cheers,
        Joel

    10. Default Gravatar
      ElizabethJanuary 4, 2018

      Can poor people with no bank account get a loan online. If they want to start a business

      • Default Gravatar
        ArnoldJanuary 5, 2018

        Hi Elizabeth,

        Thanks for your inquiry

        There are lenders that will still consider you without a bank account, meaning you can still get a short-term loan. Comparing these lenders is the best way to find a deal that matches your needs. Please take note that eligibility requirements may vary among lenders. You may be required to provide documentation such as ID and proof of address as part of the requirements.

        Hope this information helps

        Cheers,
        Arnold

    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