payday loans: Fees and how it works |
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This connection service can help you get $1,000 — even if your credit isn’t perfect.

Finding a lender when you have bad credit can be stressful. With a loan connection service like, you can take the work out of comparison. But with no state list and no contact info, you might be better off seeking out another service.

What is is a short-term loan connection service. Rather than fund your loan itself, it connects you to lenders that may be able to lend you up to $1,000 with varying terms and conditions.

The process begins with you submitting an online application. If you’re matched with a lender and it approves your application, you receive a loan offer document or a loan contract.

Review this contract carefully before accepting. It will give you a clear picture of what your potential loan entails. After you accept the contract, the lender disburses the funds, which are transferred into your bank account by the following business day.

The due date of your loan can be anywhere from 8 to 30 days – or more – from the date you sign your contract, with the actual repayment details depending on your pay schedule.

What state are you from? aims to find a lender to meet your needs — but whether you can apply for a loan and how much you can apply for depends on the state you live in. Before applying, confirm how much you’re able to borrow based on your state of residence.

What are the benefits of a loan from

  • Quick turnaround. It takes about 10 minutes to complete the online application. then reviews your application and connects it to a suitable lender.
  • Use the money for any purpose. You can use the money you get for just about any legitimate purpose — repairing your car, paying bills or just getting by after a temporary setback.
  • Save time and effort. The payday market in the US is growing at a rapid pace, and narrowing down on a lender based on your requirements can be tedious. When you apply for a payday loan through, it does the searching for you.

What to watch out for

  • Not a lender. isn’t a lender. Because of this, it won’t be able to tell you the rates you qualify for or the terms you could be offered.
  • No state list. There isn’t a list of states serviced on’s website. Instead, you’ll have to know which states allow short-term loans before you apply.
  • No contact information. doesn’t have a contact for or any company information. This can be a red flag for some, so be sure to consider all your options before filling out an application.

Compare more short-term loan options

Updated April 24th, 2019
Name Product Filter Values Max. Loan Amount Turnaround Time Requirements
As soon as the next business day
Have a regular source of income. Have a verifiable bank account. Be a US citizen. Be at least 18 years old.
See if you qualify for a loan from a range of lenders with high amounts and flexible terms.
1 business day
Must have direct deposit and meet minimum income requirements
Installment loans with competitive rates from a top-rated direct lender.
1 to 2 business days
Must have an active checking account, regular source of income and email address.
Installment loans with repayment terms up to 30 months, depending on your state.
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
An online connection service for quick cash loans.
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.
Apply for a short-term loan with an easy online application and dedicated customer service.
generally receive the money the next business day
Be 18+ years of age and have a checking account that can accept electronic transfers.
LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for your state.
Varies by state
1 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.
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.

Compare up to 4 providers

Beware of high costs

Short-term loans are notoriously expensive, and the lenders you’ll be connected with are no exception. When you’re struggling financially, it may be better to seek out some alternatives rather than face the high fees and short terms set out by certain lenders.

Is it safe to apply with has a secure website and online form with industry-standard encryption. However, there’s always a risk when you use any type of loan broker. This is because your information will be from to to potential lenders, you may receive calls and emails for loan products long after you need them.

What does the Internet say about

There isn’t much out there about It doesn’t have a Better Business Bureau (BBB) page, a Trustpilot page or any pages on similar borrower-review websites.

While its page is secure, there are other short-term loan brokers that have more robust reviews out there. If you do decide to go with, be sure to read reviews about the lender you’re connected with to make sure they’re legit.

Am I eligible?

In order to be connected with a lender, you need to

  • Earn at least $1,000 every month
  • Be at least 18 years old
  • Be a US citizen
  • Have an operational checking account with direct deposit

How do I apply?

When you apply, you’ll need to have some basic information on hand.

  • Your name, address, phone number and email
  • Your bank’s name, ABA/routing number and your account number
  • Your employer’s name, address and phone number

I was connected with a lender. Now what?

If you’ve been connected to a lender, you’ll need to finish the application process to see if you’ve been approved for a loan. At this point, you’ll need to check your lender’s reputation and carefully read over your loan contract – short-term lenders typically charge fees of $25 to $30 or more for every $100 borrowed.

These fees vary by lender but will be spelled out in the loan contract you receive after your application is approved. Be sure you understand the complete list of all applicable fees and charges, including penalties for not repaying the loan in time.

Bottom line

When you’re ready to get a short-term loan but aren’t sure where to start, a connection service like can be a handy tool to help you find a lender. Be sure to read the terms and conditions carefully – beyond high costs, you might find a lender that doesn’t suit your needs.

You can also compare direct lenders to keep the application process simple.

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US Payday Loans Offers

Important Information*
CashNetUSA Loan

Apply for a short-term loan with an easy online application and dedicated customer service.

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.

LendYou Short-term Loans

Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

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