short-term loan review 2019 | Logo 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.

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% – 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

Rates last updated March 24th, 2019
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 Max. Loan Amount Turnaround Time Requirements
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
1 business day
Must have direct deposit and meet minimum income requirements
Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
1–2 days
Must have an active checking account, regular source of income and email address.
LendYou Short-term Loans
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
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.
ACE Cash Express Short-term Loans
Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
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.
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for your state.
generally receive the money the next business day
Be 18+ years of age and have a checking account that can accept electronic transfers.

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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US Payday Loans Offers

Important Information*
CashNetUSA Loan

Apply for a short-term loan with an easy online application and dedicated customer service.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

LendYou Short-term Loans

Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

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