Find out how to borrow money fast

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.

LendUp Payday Loans

For fast cash: LendUp Payday Loans

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

  • Min. loan amount: $100
  • Loan term: 7–30 days
  • Total costs: Depends on your state, loan product, loan amount and the term of the loan.
  • Must be 18+
  • No security deposit needed
  • Confidential and secure
  • Accepting new applications in the following states only: CA, LA, MS, MO, OH, TN, TX, WI

    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 December 13th, 2017
    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 Maximum Loan Amount Term of Loan Turnaround Time Requirements
    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.
    $250
    7–30 days
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    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.
    $1,000
    Varies by state
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    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
    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?

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    56 Responses

    1. Default Gravatar
      EdwardDecember 2, 2017

      Please I need a loan in West Virginia USA a loan of about $3000, please help

      • Staff
        AnndyDecember 2, 2017Staff

        Hi Edward,

        Thanks for your question.

        If you are looking for a payday loan in West Virginia, your options only include instalment loans as payday lending is illegal in the state.

        To compare instalment loans in West Virginia, you may check this page.

        Kindly check the eligibility criteria of the loan before clicking the “go to site” button on the page to submit your application.

        Cheers,
        Anndy

    2. Default Gravatar
      PaulNovember 27, 2017

      I am eligible for loan?

      • Staff
        asiasantiagoNovember 28, 2017Staff

        Hi Paul,

        Thank you for your inquiry.

        As we are a comparison website, we can only offer you general advice. It is best to consult from a lender to discuss your eligibility and options. To do this, On the page you’re on. Click the “Go to site” and it will direct you to a particular lender that will assist you with your inquiries.

        I hope this helps,

        Best,
        Asia

    3. Default Gravatar
      StephenNovember 8, 2017

      I am having trouble borrowing from other sources. I am looking for business loan $5000. Will have no problem paying back. Any help?

      • Staff
        RenchNovember 8, 2017Staff

        Hi Stephen,

        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.

        You can also have a look at this page for helpful info and compare your options for business loans.

        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,
        Rench

    4. Default Gravatar
      samOctober 29, 2017

      I a Swedish citizenship
      I have too many loans ,I need to loan dom money so I can close all these loans and I make it in 1 loan
      I have a very high salary and I can pay big payments every month
      I need help because here In Sweden they don’t give me to close all these loans
      I have 2 fixes jobb with very high income
      hope u guys help me and I can pay any intreset
      thx

      • Staff
        JudithOctober 30, 2017Staff

        Hi Sam,

        Thanks for contacting finder, a comparison website and general information service.

        I do understand that you are looking for a loan that you could apply for. However, please note that the loan options that we currently feature on our US finder pages are only applicable within the US and the lenders that we feature on our pages could only cater to loan applicants who are either residents or citizens of the US or to US visa holders who are currently residing in the US.

        Kindly get in touch with your local banks or lenders for possible loan options that you may apply for in your region.

        I hope this helps.

        Best regards,
        Judith

    5. Default Gravatar
      ArashiOctober 18, 2017

      I need $3000 loan in 1-2 days. can you help me please?

      • Staff
        JhezelynOctober 19, 2017Staff

        Hi Arashi,

        Thank you for your comment.

        You may opt for a $3000 loan on this page and compare lenders that can process your loan quickly with 1-2 business days turnaround time. You just need to make sure that you have some source of income and the ability to manage your repayments.

        Hope this helps.

        Regards,
        Jhezelyn

    6. Default Gravatar
      JennOctober 17, 2017

      Please who qualifies for a loan from you? Is it limited to people in your State or country only?
      Thank you

      • Staff
        JudithOctober 17, 2017Staff

        Hi Jenn,

        Thanks for contacting finder, a comparison website and general information service.

        Please note that the loan options that we currently feature on US finder pages are only applicable within the US and the lenders that we feature on our pages could only cater to loan applicants who are either residents or citizens of the US or to US visa holders who are currently residing in the US.

        Kindly get in touch with your local banks or lenders for possible loan options that you may apply for in your region.

        Best regards,
        Judith

    7. Default Gravatar
      boniface@yahoo.co.keSeptember 26, 2017

      Am Boniface Elim Ineed Same $50000 Dollas To Help Me To Go Back To School,my Bank A/c 0970193378397.

      • Default Gravatar
        GruSeptember 28, 2017

        Hello Boniface,

        Thank you for you interest in borrowing funds to go back to school.

        For the amount that you would be needing, you would be better off to check out your options on this page.

        There is a table towards the middle of the page where you can compare your options depending on what would best suit your circumstances. Please ensure that you fill out the required information such as your credit score and state so you could display the available providers in your area.

        Cheers,
        Gru

    8. Default Gravatar
      PAULPRABHUSeptember 24, 2017

      How will get money for how much % interest rate?

      • Staff
        JoanneSeptember 25, 2017Staff

        Hi Paul,

        Thanks for reaching out.
        The release of your loan or funds wold be dependent on the loan provider you select and the interest rate would also depend on how much you’re borrowing and for how long. You can read more about that on this page.

        Cheers,
        Joanne

    9. Default Gravatar
      LahiruSeptember 23, 2017

      I need $30000 loan. Please help me

      • Staff
        AnndySeptember 24, 2017Staff

        Hi Lahiru,

        Thanks for your question.

        You may compare and check different types of loans that match your needs here.

        Kindly review the eligibility criteria and the terms and conditions of the loan before submitting your application.

        Cheers,
        Anndy

    10. Default Gravatar
      GovindaSeptember 20, 2017

      Hi I need money urgent, please help me.

      • Default Gravatar
        JonathanSeptember 21, 2017

        Hello Govinda,

        Thank you for your inquiry.

        You can consider quick loans for your financing needs. These lenders vary according to your location, so select the state of your residence first before choosing on the comparison table.

        Most of these lenders can complete the funding in one business day as long as you have complete requirements and undergo smooth approval.

        Hope this helps.

        Cheers,
        Jonathan

    US Payday Loans Offers

    Learn about our information service
    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.