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Emergency short-term loans

Do you have an emergency and need cash in a hurry? A short-term loan could be an option.

I have an emergency. How can I get a short-term loan?

Depending on what you need, you can apply for a short-term loan online or in-store. If you apply online, there’s often no need to fax any documents and you can receive your loan amount within a few hours straight into your bank account. If you plan to apply in-store, be sure to choose a lender that has a store network that’s convenient to where you live.
With a short-term lender that offers online loans, you have to provide details of a bank account that you’ve authorized to accept direct deposits. When you’re approved, the lender will transfer the funds directly into your bank account.

Compare short-term loans and other alternatives

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Name Product Filter Values Loan amount Turnaround time Requirements
Chime SpotMe®
Not rated yet
Chime SpotMe®
Up to $200
Same day
Single qualifying $200 direct deposit into Chime checking account in the last 34 days.
Access fee-free overdrafts up to $200 when eligible. Plus get your paycheck up to 2 days early with direct deposit. See Chime terms and conditions.
Smart Advances
Not rated yet
Smart Advances
$100 to $20,000
As soon as one business day after loan closing
Have a regular income, 18+ years old, be a U.S. citizen with a valid SSN, have an open bank account, meet any additional requirements your lender may have
Smart Advances was designed to help you request the loan you need, for any reason.
Not rated yet
$20 to $250
3 to 4 days standard transfer. Same day with $3.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
OppLoans Installment Loans
Finder Rating: 4.7 / 5: ★★★★★
OppLoans Installment Loans
$500 to $4,000
As soon as the same business day.
+18 years old, Receive paychecks through direct deposit, Meet minimum income requirements, Live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Not rated yet
1 to 3 business days, or instant with a fee or Premium subscription
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
Possible Finance Mobile Installment Loans
Up to $500
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 21 states.
LendYou Short-term Loans
Finder Rating: 2.5 / 5: ★★★★★
LendYou Short-term Loans
$100 to $1,000
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.
MoneyLion Instacash advances
$250, $1000 with RoarMoney account
Up to 5 days or instant for a fee
Bank account must have at least 60 days of activity, show recurring deposits and must have a positive balance
Fee-free, interest-free cash advances up to $250.
Fast5kLoans Short-term Loans Connection Service
Finder Rating: 3.5 / 5: ★★★★★
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.
CashNetUSA Loan
Finder Rating: 3.6 / 5: ★★★★★
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.

Frequently asked questions

How do I apply for an emergency short-term loan if I have poor credit history?
Consider getting a short-term loan even if your credit score is low. Demonstrating an ability to repay is more important to most short-term lenders.
What eligibility criteria do I have to meet to apply?
You must meet your state’s minimum age requirement, be a US citizen or a permanent resident and have a steady source of income.
How can I repay the loan?
This depends on your lender and how you get the loan. If you apply for the loan in-store, the lender might require you to provide a post-dated check.
If you apply online, the lender will require you to provide your bank account details so it can deduct repayments and also transfer the loan to you. Some lenders allow you to repay your loan ahead of time using debit cards, credit cards, cashier’s checks and money orders.

Are payday loans available in my state?

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2 Responses

    Default Gravatar
    NelsonSeptember 26, 2019

    I need an urgent loan today.

      Default Gravatar
      nikkiangcoSeptember 27, 2019

      Hi Nelson,

      Thanks for getting in touch! You can find emergency short term loans on the information above. To find and compare your options, simply go to the box that says “enter your state.” Go and enter your state and it will show a list of lenders available. Take note that short term loans charge high interest when compared to other types of credit, so this needs to be taken into account before you apply.

      When you have chosen the right lender for you, you will see a MORE INFO button if you want to read more about the provider via Finder review pages. You will find the providers benefits and features and how to apply to their company. Click the GO TO SITE button if you’d like to be brought to the official website of the provider. ​Know that this is where you get a quote or start your application. You can also click the compare box beside each loan option and compare up to 4 options side by side for easier comparison.

      As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      Hope this helps!


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