payday loans review December 2018 | short term loans review

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Apply for a short-term loan — even if you have poor credit history — and repay it on your next payday.

If you’re short on time, then searching for a loan may not be on the top of your priority list. is a short-term loan connection service that can direct you to a lender that can fund you no matter your credit history. But you aren’t guaranteed to find a loan, and if you do, high fees might set you back more if you can’t afford to repay your loan by the deadline.
Product Payday Loans
Min Loan Amount$100
Max. Loan Amount$1,000
Loan TermUp to 12 months
Loan SecurityUnsecured
Turnaround Time1–2 business days
CostsDetermined by the lender based on the information you submit.
RequirementsYou must be at least 18 years old with take-home monthly income of at least $1,000 after taxes.


  • Quick cash loans.
  • Fast, simple application process.
  • Attempts to connect you to a lender that meets your needs.


  • High APRs of up to 1,564%.
  • May sell your data as a lead to other lenders.
  • You must be employed
  • Be 18 years of age or older
  • Be a citizen or permanent resident of the United States
  • An income of at least $1,000 a month after taxes
  • Must have a current phone number and valid email address

States where doesn’t offer loans:

  • Arizona
  • Arkansas
  • Connecticut
  • Washington DC
  • Georgia
  • Maine
  • Maryland
  • Massachusetts
  • New Jersey
  • New York
  • North Carolina
  • Pennsylvania
  • Vermont
If you reside in one of these states be sure to check out our short-term loan guide to see what loans are available in your state.

What types of loans does offer? is run by the Ute Indian Tribe and specializes in connecting borrowers with short-term lenders. Its site is designed to guide you to the information you need in order to make an informed decision. There are not only research tools directly on the site, but lending specialists and customer service representatives ready to help guide you through the process of getting funding when you need it most.

Its network of lenders offer payday and installment loans. You may be able to borrow between $100 and $1,000, although the maximum will depend on the laws of your state. Interest rates will vary, but you may face an APR over 1,500% if you borrow a large amount of money for only a short period of time.

What are the benefits of using

  • Tools to increase transparency. As a feature of its website, provides a Customer Resource section, which includes a sliding scale that shows the potential APR and total amount paid for a short-term loan based on the loan amount and length.
  • Large lending network. has an extensive network of lenders that it contacts when your loan request is submitted. This means you receive the a loan offer that suits your needs.
  • Bad credit is OK. As long as you meet’s basic eligibility criteria, you may still be eligible for a loan even if you have bad credit or a spotty credit history.

How do short term loans compare?

Rates last updated December 19th, 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
LendYou Short-term Loans
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income. Payday Loans
Whether for emergencies or unexpected expenses, this provider may be able to connect you among its nationwide network of lenders.
1–2 business days
You must be at least 18 years old with take-home monthly income of at least $1,000 after taxes.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
Slam Dunk Loans
Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
As soon as next business day
Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.
TriangleCash Payday Loans
If you have bad credit or no credit history, apply to be connected to a network of lenders for funding at rates that vary by state.
As soon as next business day
You must be a US citizen, at least 18 years old, and have a valid bank account.

Compare up to 4 providers

Is safe?

Yes, but understand your information will be shared with third parties. By completing its online application, you are authorizing to share your information with lenders and other marketing partners that could text you, call you or leave prerecorded messages at any number you supply — sometimes long after you’ve applied. Before you apply for any loan, be sure to read the fine print to understand exactly what the lender will do with your information. ensures all loans are with reputable short term loan lenders, and it provides its customers with information that can assist them in making responsible borrowing decisions. Its policies are in line with regulations set by Fair Lending laws. The Consumer Financial Protection Bureau oversees the short term loan market, and as a borrower, you get protection through the Fair Debt Collection Practices Act. It is also a member of the Online Lenders Association (OLA), which means it abides by a Code of Conduct and list of Best Practices to make sure customers receive fair treatment and remain fully informed.

How you can apply for a cash loan through

Eligibility criteria:

  • At least 18 years of age
  • Permanent US resident or an American citizen
  • Steady job and earn $1,000 or more (after taxes) each month
  • Checking or savings account
  • Valid phone number and email address
  • Not reside in: Arizona, Arkansas, Connecticut, District of Columbia, Georgia, Maine, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania or Vermont.

Required documents & information:

  • Personal information including email address, birthday and social security number
  • Employment status and your employer’s name and phone number
  • Monthly salary and the date of your next payday
  • Checking account details

Bottom line

When you’re facing a tough financial situation and don’t have time to go searching for lenders, can connect you to one that works for you. While you need to meet a few basic income requirements, you won’t have to have the best credit. The lender you’re connected to may be expensive, so compare your options before signing a contract.

Frequently asked questions

Are payday loans available in my state?

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