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Quickly compare lenders with this top connection service.’s rating: 2.7 / 5.0


Searching for a loan may not be your top priority. may be able to speed up the process of finding a lender, no matter your credit history. But you aren’t guaranteed to be connected, and if you are, be prepared for the high fees that come with short-term loans.


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+
Go to site does not service these states:

  • 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.

What is is a short-term loan connection service run by the Ute Indian Tribe. Its network of lenders offer loans ranging between and , although the maximum you qualify for will depend on the laws of your state and your financial situation. 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.

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.

What are the benefits of using

  • 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.
  • 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.
  • 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.

What to watch out for

  • Must be employed. Although there are some short-term lenders that accept borrowers without a job, you’ll need to be regularly employed and earn at least $1,000 a month after taxes to be connected with a lender through
  • Potentially high APR. Because works with short-term lenders, you may face an APR that costs you much more than a traditional loan from a bank.
  • No guarantee. The lenders in’s network work with all sorts of people — including some who have been through bankruptcy — but depending on your state, income and current financial situations, may not be able to find a lender that can work with you.

Compare connection services like

Data indicated here is updated regularly
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
Fast5kLoans Short-term Loans Connection Service
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.
CreditLend connection service
Varies by lender
Regular source of income, checking account, not currently involved in bankruptcy or bankruptcy relief
Find a line of credit — even if you don't have a perfect score.
LendYou Short-term Loans
Same business day to 1 business days
$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.
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.
Slam Dunk Loans
Same business day to 1 business days
Employed, $800+ regular monthly income, checking account, ages 18+, US citizen
Fill out a simple online form to compare offers from several lenders that may be able to help.
CashUSA Installment Loans
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
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

Must read: Beware of high costs

Using won’t cost you anything, but that doesn’t mean borrowing a short-term loan is free. If you’re connected with a lender, read over its terms carefully. Many states have limits on how much you can be charged in financing fees. However, those limits can be as high as $20 for every $100 borrowed — or not exist at all.

Before you agree to a loan, check your budget and make sure you’ll have enough to repay. If not, you may want to consider some alternatives to short-term loan.

Is it safe to use

Yes. 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, and is also a member of the Online Lenders Alliance (OLA), which outlines a list of best practices to make sure borrowers receive fair treatment and remain fully informed.

That being said, your information will be shared with third parties. By completing its online application, you authorize to share your information with lenders and other marketing partners that may text, call or leave prerecorded messages at any number you supply — sometimes long after you’ve applied.

What do borrowers say about

There isn’t much out there on While it has a Better Business Bureau (BBB) page, it isn’t accredited and earns an F rating based off five complaints. However, these complaints don’t actually say much wrong with Two are hidden, and the three that are shown don’t point out any problems with itself.

As with all short-term loan connection services, it pays to be smart and to review the lender you’re connected with before you agree to a loan contract.

Am I eligible?

To be connected with a lender, requires you to meet the following eligibility criteria:

  • You must be currently employed
  • You must earn at least $1,000 after taxes each month
  • You must have an active checking or savings account
  • You must be a citizen or permanent resident of the US
  • You must be at least 18 years old

How do I fill out’s online form? has a simple online form that requires only basic information in order to potentially connect you with a lender. To keep the process quick, follow the steps outlined below:

  1. Click the Go to Site button to be redirected to’s website.
  2. Select your loan amount, then enter your zip code, full name and email. Click Get Started.
  3. Enter your address, phone number, ID number Social Security number and date of birth. Click Continue.
  4. Enter information about your income, employer and bank account.
  5. Read the Privacy Policy, E-Consent form and Terms of Use. Click Submit.

It may take a few minutes for to process your request. If you are connected with a lender, read its terms carefully before agreeing to a loan.

I was connected with a lender. Now what?

Once you’ve been connected with a lender, it’s up to you to complete the application process and set up repayments. Most lenders offer automatic options that will debit your bank account on your due date, but you may also be able to send in a check, money order or make a manual online payment as well.

Before you finalize your loan, check to make sure your lender is legit and that you understand its terms.

Bottom line

When you’re facing a tough financial situation and don’t have time to go searching for lenders, may be able to 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 — and you may qualify even if you’ve faced bankruptcy in the past.

However, it pays to understand payday loans before you borrow. And if isn’t your top choice, you can compare sites like to find a similar option.

Frequently asked questions

Are payday loans available in my state?

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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