short-term loan connection service review

This unusually transparent service can help you find a legitimate lender. But APRs can still top 1,500%.’s rating: 2.7 / 5.0


Bottom line: Unlike most connection services, prominently displays its privacy policy and even displays potential rates and fees. But the loans its partner lenders offer can come with four-digit rates. Read our full review.


Min. Amount


Max. Amount

Varies by lender

Turnaround time


Product Payday Loans
Min. Amount$100
Max. Amount$999
Loan Term7 day to 12 months
Loan SecurityUnsecured
Turnaround TimeVaries by lender
CostsDetermined by the lender based on the information you submit.
RequirementsEmployed, at least $1,000 in monthly take-home pay, valid checking account, US citizen, over 18, valid home and work phone number, valid email address, resident of eligible state.
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  • Prominently displays privacy policy
  • Online Lender’s Association member
  • Educational information about payday lending laws and scams


  • Must be employed to qualify
  • Not subject to US lending laws
  • Must be a US citizen

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review is a tribal payday loan and installment loan connection service that is unusually upfront about the risks and benefits of payday lending.

It prominently shares a link with its privacy policy on its home page. It offers information about the rates and terms you might qualify for. And it even displays information to help customers avoid illegal lenders and scams.

And while you can find a loan with an annual percentage rate (APR) as low as 15%, its partners rates can top 1,500% in some cases. It also requests highly-sensitive your bank account and Social Security number on the application. And since it’s run by the Ute Indian Tribe, you won’t be able to sue in a US court of law.

Is legit?

Yes, is a legitimate payday lender connection service. It’s a registered member of the Online Lenders Alliance (OLA), a trade organization that sets best practices for the short-term loan industry.

You can easily find information about state laws and how to spot a payday loan scam on its website. And its minimum income requirements help ensure you can repay the loan — and avoid getting trapped in a cycle of debt. reviews and complaints

BBB accreditedNo
BBB ratingA+ doesn’t have any online reviews on the Better Business Bureau (BBB) or Trustpilot. This is common for a loan connection service, since they don’t directly fund the loan or repayments. Read reviews and complaints for the lender you’re connected with for a better idea of what you’re getting into.

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Max. Loan Amount


Turnaround time

Varies by lender


Employed, at least $1,000 in monthly take-home pay, valid checking account, US citizen, over 18, valid home and work phone number, valid email address, resident of eligible state.

Not yet rated

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Max. Loan Amount


Turnaround time

As soon as the next business day


Regular source of income, Verifiable bank account, US citizen, Ages 18+

Is safe? is relatively safe for a connection service. It uses Comodo software to certify that the information you enter online is encrypted. And it prominently displays its privacy policy, terms of use and other disclosures at the top of every web page.

Like any connection service, shares your information with its partners to find a loan. But after you submit your loan request you can limit all sharing by calling 800-380-2274 — with the exception of information requested by a court of law.

What to watch out for might take steps to protect you, but you won’t be able to access its partners’ privacy policies until after your information is shared.

Its application also asks for sensitive information, like your bank account and routing number. While uses encryption to protect this information online, you don’t know what steps its partners will take to protect you.

Also, since it’s run by the Ute Indian Tribe, it doesn’t have to follow the same state laws. You can avoid this by applying with a direct lender that’s based in the US.

Eligibility requirements

You must meet these minimum requirements to get connected with one of’s partners:

  • At least $1,000 in monthly income after taxes
  • Employed
  • Valid checking account
  • US citizen
  • Resident of an eligible state
  • Over 18 years old

You’re also required to have valid contact information — including a work number, home number and email address. state availability can’t help residents of the following states find a payday or installment loan provider.

  • Arizona
  • Arkansas
  • Connecticut
  • Georgia
  • Maine
  • Maryland
  • Massachusetts
  • Montana
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • Oregon
  • Pennsylvania
  • Texas
  • Utah
  • Vermont
  • West Virginia

If you live in an area doesn’t service, you may want to see what other lenders are available in your state.

How to use

You can use by filling out an online form on its website. It doesn’t require you to upload any documents. Instead, you need to provide information like your Social Security number, bank account and routing number and your monthly net income. You’ll also need your employer’s contact information.

If can’t connect you with a payday or installment loan provider, it may be able to put you in touch with debt settlement or debt repair companies. Before you sign up for one of these services, make sure you’ve compared all debt relief options first.

Payment options’s partners may charge automatic repayments. This means that the lender will deduct the amount you owe on the date it’s due.

If you won’t have the funds to make your payment on time, reach out to your lender and ask for an extension — usually for a fee. Try to avoid taking out a loan you know you can’t repay. Late fees and renewals can often increase the cost of the loan and trap you in a cycle of debt.

Compare more payday lenders and read about alternatives before you apply.

Short-term loan ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze short-term loan providers and similar services to help you weed out predatory lenders and find a company you can trust. We rate providers on a scale of one to five stars. Our ratings are based on factors that are most important to you, which include: loan amount, application process, fees, customer reviews and borrower experience.

Read the full methodology of how we rate short-term loan providers and similar services.

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