review 2021: Is it legit? | short-term loan connection service review

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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

1 to 2 business days

Turnaround time


Product Payday Loans
Min. Amount$100
Max. Amount$1,000
Loan TermUp to 1 month
Loan SecurityUnsecured
Turnaround Time1 to 2 business days
CostsDetermined by the lender based on the information you submit.
RequirementsEmployed, $1,000+ monthly income after taxes, US citizen or permanent resident, ages 18+
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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

Expert review

Anna Serio

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 helps ensure you can repay the loan — and avoid getting trapped in a cycle of debt. reviews and complaints doesn’t have any online reviews on the Better Business Bureau (BBB) or Trustpilot. The one customer complaint filed against it appears to be spam — although its failure to respond to the complaint is the reason the BBB gives it such a low letter grade.

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.

Compare more payday loans and connection services

Find a payday loan or installment loan from a direct lender or connection service that serves your state.

Data updated regularly
Name Product Filter Values Loan amount Turnaround time Requirements
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 $15,000
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.
$500 to $10,000
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
CashUSA Installment Loans
$500 to $10,000
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Explore its online education center to get tips on budgeting, how to prioritize your bills and more. Payday Loans
$100 to $1,000
1 to 2 business days
Employed, $1,000+ monthly income after taxes, US citizen or permanent resident, ages 18+
Use its repayment calculator to see how the loan term and amount you borrow affects the overall cost.

Compare up to 4 providers

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 politics, 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’ve submitted 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 they’ve seen your information.

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. And since it’s run by the Ute Indian Tribe, you aren’t legally protected the by US 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

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 can put you in touch with debt relief or debt repair companies. Before you sign up for one of these services, make sure you’ve compared other debt relief options first.

Payment options

Most of’s partners 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 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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