short-term loans review

This connection service could help find you a lender for a quick short-term loan.

If you’d rather not waste time comparing options, might be a good solution. However, with no borrower reviews and limited contact info, it might not be your best choice.


Min. Amount


Max. Amount

Same business day to 1 business days

Turnaround time


Product Short Term Loans
Min. Amount$100
Max. Amount$2,500
Loan TermYour loan is typically due on your next pay date, but varies by lender.
Turnaround TimeSame business day to 1 business days
CostsVaries by lender
RequirementsYou must be at least 18 years old, have a regular source of income and hold an active, open bank account.

What is a short-term loan connection service. Rather than funding your loan itself, it attempts to connect you to a lender that may be able to fund your loan.

If connected with a lender and approved, you may be able to borrow anywhere from $100 to $2,500. The interest rate you’ll be charged will vary by lender and state, but you can generally expect to pay anywhere from 260.71% to 782.14%.

It doesn’t charge for its services and doesn’t collect on any debts. Each lender will provide a loan contract and will have its own rates, fees and conditions.

What are the benefits of

  • Secure process. is secure and private. However, your information may still be sent to multiple lenders — this is just part of the process when you use a loan broker.
  • All credit is OK. works with a wide variety of lenders. Because of this, there is likely a lender that will want to work with you, even if you have bad credit or no credit history.
  • Member of the OLA. As a member of the Online Lender’s Alliance (OLA), abides by industry standards when working with you to find a lender.
  • Money when you need it. If you have an emergency, can help you find access to a short-term loan within the week, meaning you can pay for whatever you need as quickly as possible.

What to watch out for

  • High interest rates and fees. Just because doesn’t charge any fees doesn’t mean you won’t be paying. Short-term loans are notorious for their expensive rates.
  • Not a direct lender. Because is a connection service and not a direct lender, you won’t know what to expect until you read your contract. Be sure to examine all the terms clearly before you sign, otherwise you might find yourself in a cycle of bad debt.
  • Difficult to contact. Even though has its contact information clearly displayed, it’s not easy to contact. The phone number leads to an automated number for a different service run by its parent company. If you have questions, you’ll be relegated to an email form.

Compare more short-term loan options

Name Product Filter Values Loan amount Turnaround time Requirements
B9 pay advance app
Up to 100% of your salary
$500+ in monthly direct deposits into B9 account, checking account, ITIN or SSN, government-issued photo ID
Withdraw 100% of your paycheck with no extra fee for instant funding.
OppLoans Installment Loans
$500 to $4,000
1 business day
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.
$1,000 to $25,000
2 to 3 business days
Be employed, have a US bank account, live in a state where Stilt operates, hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
Get a fair loan designed for immigrants and nonresidents.
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.
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.

Compare up to 4 providers

Beware of expensive rates

Short-term loans often come with high finance charges, origination fees and interest rates. This can result in you paying double or even triple the amount you borrow, especially if you opt for a larger loan amount.

Carefully consider your needs and ability to repay when you apply. You may want to consider some short-term loan alternatives as well.

Is it safe to apply with

Yes. has a secure website with standard encryption to protect the information you submit, including your passwords and banking information.

However, your personal information will be sent to lenders. This is the same for all short-term loan brokers, but it does mean that you may receive calls or emails weeks or even months after you submit an application and borrow a loan. Consider a direct lender if you’d rather keep your personal information with one business. reviews and complaints

There aren’t many reviews on or its parent company, Fast Flash Market, LLC. This is generally a red flag, but it isn’t an uncommon occurrence with short-term loan connection services.

Instead, look up the lender you’re connected with. If it seems like the lender isn’t above board, reapply with or use a different service.

Am I eligible? requires you to meet these basic points when you apply:

  • You must have an open bank account
  • You must have a regular source of income
  • You must be at least 18 years old (varies by state)

The lender you’re connected with may also have additional eligibility requirements dealing with income, direct deposit of pay, past personal loan history, state of residence, etc.

How do I apply?

To apply, all you have to do is fill out the loan application form and’s application portal will attempt to connect you with a direct lender that suits your borrowing needs. You’ll need:

  • Personal details such as your name, birth date, Social Security number and address
  • Financial details such as your income and employment information

Once you finish, will direct you to the lender’s website to complete the process.

Lenders have the power of approval. doesn’t control if people are approved or denied, but it will work to connect you with a lender despite your credit history and current financial situation.

I was connected with a lender. Now what?

If you choose to continue, a lender you’re matched with may contact you via phone or email to discuss potential loan details. You may also be able to submit a complete application with the lender you’re connected with.

Make sure you understand your lender’s terms and conditions for your loan, which will vary from lender to lender. Stay on top of your payment so you don’t face with any late or missed payment penalty fees.

Bottom line

If you’re looking for help finding a short-term personal loan, may be a service worth exploring to find you a lender without having to do all the hard work of comparing by yourself.

But if you’re wary about its limited contact information and lack of reviews, you can look at other short-term loan connection services or compare direct short-term lenders instead.

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