short-term loan review 2019 | short-term loans review

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

Finding a lender that works with bad credit can be tiresome. 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.
Product Short Term Loans
Min. Loan Amount$100
Max. Loan Amount$2,500
Loan TermYour loan is typically due on your next pay date, but varies by lender.
Turnaround Time1 business day
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

Updated June 19th, 2019
Name Product Filter Values Max. Loan Amount Turnaround Time Requirements
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.
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
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.
Varies by state
1 business day
Regular source of income, bank account, US citizen or permanent resident, ages 18+
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
As soon as the next business day
Checking account with ACH, proof of income, Social Security number, ages 18+
Get rewarded for making on-time repayments with better rates and terms on future loans.
Varies by state
1 business day
Steady source of income, checking or savings account, not currently in bankruptcy, ages 18+
Its satisfaction guarantee means you can return the full loan amount within 72 hours if you change your mind.
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.

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.

What does the Internet say about

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 brokers.

If you can’t find any information on — there isn’t a Better Business Bureau (BBB) page or a Trustpilot page — instead look up the lender you’re connected with. If it seems like the lender isn’t above board, reapply with or look for 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.

Are payday loans available in my state?

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