Fast5kLoans short-term loan connection service review

Borrow as little as $100 all the way up to $35,000.’s rating: 3.5 / 5.0


Fast5kLoans offers a quick online form to help connect you with multiple short-term lenders — even if you have bad credit. However, fees and interest rates can vary widely between providers. And with unclear state availability, you won’t know if you qualify until after you begin filling out its online form.

No reviews yet. Write a review


Min. Amount


Max. Amount

As soon as the next business day

Turnaround time


Product NameFast5kLoans Short-term Loans Connection Service
Min. Amount$100
Max. Amount$35,000
Loan Term6 months to 6 years
Turnaround TimeAs soon as the next business day
RequirementsRegular source of income, Verifiable bank account, US citizen, Ages 18+
Go to site

What is Fast5kLoans?

Fast5kLoans is a short-term loan connection service. Rather than lending directly to borrowers, you fill out an online form to get connected with multiple lenders you might qualify with — even if you have poor credit. The providers in its network offer loans from $100 to $35,000 — though you’ll have to meet stricter credit requirements to qualify for larger amounts.
Depending on the lender and your loan amount, your loan term could last anywhere from 0.5 years to 6 years. However, interest rates and other fees depend on the lender you’re connected with and your state of residence.

What are the benefits of using Fast5kLoans?

From its network of lenders that offer large loan amounts to its quick process, here are a few perks of using Fast5kLoans:

  • Wide range of loan amounts. You may be matched with a provider that can lend you anywhere from $100 all the way up to $35,000 depending on your credit history and personal financial situation.
  • Variety of loan terms. Many lenders in Fast5kLoans’ network offer loan terms from two months to six years depending on how much you borrow.
  • Quick process. It takes less than five minutes for Fast5kLoans to process your request and connect you with a lender. And once you finalize your application, you may be able to get your funds as soon as the next business day.

What to watch out for

From its unclear state eligibility to its lack of a contact phone number, consider these potential drawbacks before using Fast5kLoans’ service:

  • May impact your credit. When you submit a request through Fast5kLoans, you’re authorizing the lenders in its network to check your credit. This could potentially lower your score, which could hurt future applications for loans.
  • Bank account required. To qualify for a loan with one of Fast5kLoans’ partner lenders, you’ll need to have a verifiable bank account to receive your funds via direct deposit.
  • Not available in all states. While Fast5kLoans advertises that it has a network of lenders across most of the 50 states, it doesn’t mention which ones it doesn’t work in. This means you won’t know if you qualify until after you begin filling out its online form.
  • No phone number listed. To get in touch with Fast5kLoans, you’ll need to email the company at This means you won’t have any way of knowing how quickly you’ll get a response — if at all.

Compare alternatives to Fast5kLoans

1 - 0 of 0
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.

Must read: Not all lenders may be legit

Although Fast5kLoans attempts to vet every lender it works with, it’s a good idea to evaluate the lender you’re matched with to make sure you’re information isn’t being misused. Before signing any loan agreements with a lender, make sure it’s legit to avoid falling victim to a scam.

Is it safe to use Fast5kLoans?

In general, yes — though no online company can ensure your information stays 100% safe. Fast5kLoans uses standard encryption technology to keep your personal details secure when you fill out its online form. Its privacy policy covers what information it collects, how it uses that information and how you can contact Fast5kLoans to ask questions.
However, because Fast5kLoans is a connection service, your information is shared with third-party lenders to find one that can work with you. This can lead to unsolicited phone calls and emails from lenders — even after you’ve finalized your loan.

Fast5kLoans reviews and complaints

BBB accreditedNo
BBB ratingF
BBB customer complaints4
Trustpilot score3.7 out of 5, based on 1 customer reviews
Customer reviews verified as of16 October 2020
There isn’t much online about Fast5kLoans. But what there is negative. The Better Business Bureau (BBB) gives it a failing grade over its failure to respond to customer complaints.
Because the side redirects borrowers to different lender websites, they usually leave reviews for the lender itself. If you’re connected with a short-term loan provider, be sure to check its BBB or Trustpilot page to make sure it’s legit before you submit a full application.

Am I eligible?

To be connected with a lender in Fast5kLoans’ network, you must:

  • Have a regular source of income.
  • Have a verifiable bank account.
  • Be a US citizen.
  • Be at least 18 years old.

How do I get started?

Fast5kLoans’ online form is relatively simple, but you’ll have to provide quite a bit of information. Follow these steps to get started:

  1. Click Go to Site to be redirected to Fast5kLoans’ website and start the online form.
  2. Select how much you need to borrow and your preferable loan term.
  3. Enter your contact information, details about your income and your bank account information.
  4. Enter even more personal details to verify your identity.
  5. Select your estimated credit score and reason for borrowing.
  6. Read over Fast5kLoans’ privacy policy and terms of use.
  7. Click Finish Form to submit your request.

It can take up to five minutes to verify your information and find one or more lenders that you might qualify with.

What information do I need to submit?

To fill out Fast5kLoans’ online form, you’ll need to provide the following details:

  • Name, address, email and phone number.
  • Military status.
  • Income source and monthly gross income.
  • Proof of employment.
  • How often you get paid and your next pay date.
  • Driver’s license or state ID number.
  • Social Security number.
  • The name of your bank and your bank account and routing number.
  • How long you’ve had your bank account and the type of account it is.
  • Whether you have direct deposit set up with your bank account.

I was connected with a lender. Now what?

Once you’ve been connected with a lender, you’ll need to complete a full application to see if you’re eligible for a loan. If you have any questions about your application status, contact your lender directly.
Before signing any loan documents, read over the terms carefully and make sure you understand any fees you might be on the hook for. Don’t be afraid to ask questions about anything you don’t understand. After you’ve signed the dotted line, you may be able to get your funds deposited directly into your bank account as soon as the next business day.

Bottom line

With Fast5kLoans’ quick online form, you could be connected with multiple lenders offering up to $35,000 in just a few minutes. But not everyone qualifies for this large amount, and you won’t know if it services your state until after you start filling out its online form.
Not sure Fast5kLoans is right for you? Compare other short-term loan connection services or look into a direct lender instead.

Frequently asked questions

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.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site