payday loans review

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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.


Min. Amount


Max. Amount

Same business day to 1 business days

Turnaround time


Product NameCashLoansMax Payday Loans
Min. Amount$100
Max. Amount$1,000
Loan TermVaries
Loan SecurityUnsecured
Turnaround TimeSame business day to 1 business days
Costs$25 to $30 for every $100 borrowed
RequirementsYou must receive regular income, be a US citizen and have a checking account

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

Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 to $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
$1,000 to $25,000
2 to 3 business days
Be employed, have a US bank account, live in a state where Stilt operates, hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
No green card? You could still qualify for a personal loan.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.

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. reviews and complaints

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. And while its page is secure, there are other short-term loan connection services that have more robust review. 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.

Frequently asked questions

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