short term loans review

Apply for a short-term loan — even if you have poor credit history — and repay it on your next payday. has offered their services since 1997 and ranks amongst the most trusted resources for cash loans in the US. is not a direct lender but works as a loan connection service, connecting customers to lenders based on individual requirements. Working with gives you access to some of best short-term loan lenders. does not charge any fees from its customers – all the fees you’ll have to pay are ones that are charged by the lender. Through their website, provides an array of educational material that is free to use by anyone.

Min Loan Amount$100
Max. Loan Amount$999
Loan TermUp to 12 months
Loan SecurityUnsecured
Turnaround Time1–2 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 match 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

What does offer? specializes in connecting borrowers with short term lenders. These loans are also commonly referred to payday loans and cash advances.

  • Cash loans. You can borrow between $100 and $999 through a typical cash loan, but the maximum depends on governing state laws which vary from state to state. If you can demonstrate the ability to repay the loan, your past credit history will not automatically disqualify you from approval. You will have to repay the loan on or before your next payday, although you can seek extensions in certain states.
  • Loan amount calculator. The website offers a scale that takes into account the APR so you can see how much repay compared to what you borrow. So If you pay your loan back on time, you’ll know exactly how much you’ll be charged.

How do short term loans compare?

Rates last updated November 20th, 2017
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 Maximum Loan Amount Term of Loan Turnaround Time Requirements
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
7–30 days
generally receive the money the next business day
Be 18+ years of age and have a checking account that can accept electronic transfers.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
Varies by state
1–2 business days
You must be at least 21 and an American citizen and have a bank account, email address and phone number.
ACE Cash Express Payday Loans
Quick short term, installment and title loans come with no prepayment penalty and a 72-hour satisfaction guarantee.
Varies by state
Varies by state
Generally receive the money the next business day
Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

Compare up to 4 providers

Why should you consider taking out a short term loan through

  • Save time and effort. works with a large network of nationwide cash loan providers. You can trust them to find the best loan to fit your needs.
  • Fast and simple. takes no more than a few minutes to apply and to connect your application with a suitable lender. Once you are notified of approval, you can expect the money to be transferred into your bank account the next business day.
  • Use money for any purpose. You are free to decide what to do with the money from your cash loan. You can use it for everyday expenses, paying bills or any unexpected expense.
  • Bad credit is okay. Bad credit history does not have to deter you from applying from this cash loan – you can apply as long as you have the ability to repay.

How much will it cost you to borrow? is not a lender, therefore, they do not charge fees. However, the lender that takes your loan will charge an APR and fees of their own. You are under no obligation to pay the lender any fees until you accept the loan contract. All fees will be be mentioned in the contract, so read it carefully. Fees can vary from lender to lender based on how much you borrow and will align with state laws. You will be required to pay late charges and NSF fees if you don’t pay your loan on time. Refinancing the loan will bring additional fees.

Is reliable? is a broker that boasts connecting you with lenders you may not reach otherwise. 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.

How you can apply for a cash loan from

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

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

Frequently asked questions

You can complete the application in around five to 10 minutes, and if connects your application with a lender, you can expect to hear from the lender in minutes. Once you accept the contract you’ll get the money the following business day.

The approved funds are transferred into your nominated bank account electronically.

The lender in question requests the funds from your bank account on the due date, which would be your next payday.

Lenders that are part of’s network have different policies when it comes to late payments, and state laws determine just how much any lender can charge.

Repeat customers can login to the and expedite the application process for subsequent loans.

Are payday loans available in my state?

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