short-term loan review November 2018 | Logo short-term loan review

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If you’re considering a short-term loan, can help find you a lender that meets your needs

Finding a lender that works with bad credit can be tiresome. Fortunately, is a lender-connection service that connects customers to lenders with solid practices and standards.

Read our guide below to learn more about how loan-connection works and how you can apply.

Product Details

  • Interest rate: Varies by lender, but usually 260.71% – 782.14%
  • Maximum loan term: Varies by state, but usually two to four weeks
  • Minimum loan amount: $100
  • Maximum loan amount: $1,000
  • Application fee: None

How does compare?

Rates last updated November 14th, 2018
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
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.
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.
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
1–2 business days
You must be at least 21 and an American citizen and have a bank account, email address and phone number.
LendYou Short-term Loans
Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
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.

Compare up to 4 providers

How does work? 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.

If you are unhappy with the terms, you can apply with again to be connected with a new lender.

Here’s extra info on how lender-connection services work

What are the benefits of

Going through a lender-connection service instead of a direct lender has its benefits, including:

  • Secure process. is secure and private. The company states that only you and the lender are involved with the transaction.
  • Member of the OLA. As a member of the Online Lender’s Alliance (OLA), you can be sure that abides by good standards when working with you to find a lender.
  • All credit is OK. works with a wide variety of lenders. Because of this, there is likely a lender who will want to work with you, even if you have bad credit or no credit history at all.
  • 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

Interested in applying? Here are some tips before you start.

    • High interest. doesn’t disclose any fees before you apply directly to a lender because it can’t control how much a lender charges for a loan. Keep in mind that all short-term loans have high interest and short turnaround, making them difficult to repay.
    • Loan broker. Because is a lender-connection service and not a direct lender, you won’t know what to expect until you read the contract. Be sure to examine all the terms clearly before you sign, otherwise you might find yourself in a cycle of bad debt.
    • Late payments. If you make a late payment or miss one entirely, you could end up with a penalty fee or a new finance charge from your lender. Some will be willing to extend your term to your next payday, usually for an additional fee. Make sure you are able to repay the principle and interest before you sign a contract.

Payday loans can be complex

How can I apply?

Lenders have the power of approval. does not 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.

Eligibility requirements:

      • Be at least 18 years old (varies by state)
      • Have a regular source of income
      • Have an open bank account

Lenders may also have additional varying eligibility requirements dealing with income, direct deposit of pay, past personal loan history, state of residence, etc.

Required information:

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

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.

Are payday loans available in my state?

Frequently asked questions

Aliyyah Camp

Aliyyah Camp is a publisher for helping folks compare personal, student, car and business loans. When she's not helping people with their personal finances, you can find her going for runs outdoors.

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US Payday Loans Offers

Important Information*
Slam Dunk Loans

Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

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.

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