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This free loan connection service can help you find short term funds of up to $1,000, but with potentially high APRs and fees.

When a financial emergency arises between paychecks, it can be difficult to come up with the cash to move beyond the crisis.

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Min. Amount


Max. Amount


Turnaround time


Product Short Term Loans
Min. Amount$100
Max. Amount$1,000
Loan TermVaries
Turnaround TimeVaries
RequirementsBe employed, have a bank account in your name and income of at least $1,000 per month.
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What is is a lender-connection service that combines the steps of finding and applying for a loan into a straightforward online process. By completing a simple form on their website, you’ll start the process of connecting with lenders willing to provide the funds you need. You won’t pay a fee for this service; rather, lenders themselves pay a fee to for the help in increasing their customer base.
Interest rates and other terms are set by the lenders but are regulated by your state of residence.

What are the benefits?

If you need quick cash to bridge the gap between paychecks, is a way to be connected to potential lenders, among other benefits.

  • Streamlined access to multiple lenders. Apply easily to be connected with a lender that fits your needs — often in minutes.
  • Fast funding. While turnaround varies by lender, you could see funds in your bank account as soon as within 24 hours of approval.
  • Automated repayments. Avoid late fees and potential penalties with automatic deductions from your bank account.
  • Won’t harm your credit. In most cases, iCashLoans.coms’ lenders use alternative sources like Teletrack and DP Bureau to check your credit, which doesn’t typically affect your FICO credit score.

What to watch out for will search its network to find you a lender, but its loans don’t necessarily come with the lowest costs or best terms. Consider the factors below before signing a contract.

  • Not a direct lender. Because it’s a loan connection service, your information could be sold to other lenders as a “lead.” (Compare direct short-term loan lenders.)
  • APRs can be high. Depending on the lender you are connected with, your APR could be in the four digits.
  • Lenders are a mixed bag. Because every lender in the network has its own policies, conditions and fees, be sure to review everything before signing an agreement.
  • F rating and user complaints on the Better Business Bureau (BBB). The BBB reports several unanswered complaints online, resulting in an F rating. Customers complain of identity theft and money that never arrived.

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Get connected with multiple lenders you might qualify with — even if you have bad credit.
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$100 to $1,000
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$500 to $10,000
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Regular source of income, Bank account, US citizen or permanent resident, Age of majority in your state
Explore its online education center to get tips on budgeting, how to prioritize your bills and more. Payday Loans
Not rated yet Payday Loans
$100 to $999
Varies by lender
Employed, at least $1,000 in monthly take-home pay, valid checking account, US citizen, over 18, valid home and work phone number, valid email address, resident of eligible state.
Use its repayment calculator to see how the loan term and amount you borrow affects the overall cost.

Is it safe to apply?

This loan connection service uses an advanced 256-bit SSL Secure Connection encryption technology to protect your personal information. But like all loan connection services, it sells your information to potential lenders, which could expose it to companies that don’t offer this level of security.
They also have an “Important Notice – Scam Alert!” flagged section on their homepage to warn customers of signs of fraud, writing, “ NEVER requires a deposit or payment of any kind to connect you with a lender.” reviews and complaints

BBB accreditedNo
BBB ratingF
BBB customer complaints7
Customer reviews verified as of16 October 2020
Customers primarily complain about problems with the service and advertising/sales issues. Otherwise, we couldn’t find any other reviews one way or another about this loan connection service.

Am I eligible for a loan with

You may be approved for a short-term loan even if you have bad credit or a past bankruptcy. More specific eligibility will vary by lender and state, but to be eligible to apply with, you must:

  • Be a US citizen or permanent resident.
  • Be at least 18 years old.
  • Show proof of employment and a regular income of around $1,000 a month after tax deductions.
  • Have a checking account in your own name for funding deposit.
  • Have valid working home and work phone numbers and an email address.

What information do I need to apply?

With, you first complete a simple application that calls for your desired loan amount, ZIP code and email address only. After, you’ll be directed to the full application that requires you to enter:

  • Your full name and contact information.
  • Your phone number.
  • Your license or other government-issued ID number.
  • Your bank account information.
  • The name of your employer and contact information.
  • How long you’ve lived at your current address and whether you own or rent.
  • Your military status, if applicable.

If lenders doubt the validity of the information or it’s inconclusive, you may be asked for additional documentation.

I got the loan. Now what?

Make sure you understand your specific lender’s terms and conditions for your loan. Stay on top of your payments to avoid paying stiff late or missed payment penalties. Most lenders will allow you set up autopay.

Bottom line offers the ability to find you funding for your short-term needs from among its network of 100+ lenders. But note that its loans can come with astronomical APRs and harsh penalties if you’re not able to meet the obligations of your loan.
Before you sign any contract, you can compare other short-term lenders available in your area.

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