Editor's choice: OppLoans Installment Loans
- Easy online application
- Quick approval
- Long repayment terms
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Any lender that isn’t willing to comply with state law won’t be legit. But even if it is in line with your state’s laws, it may still be expensive. Compare legit options to find a loan you can afford.
The following should help you find legit short-term loans easily:
|Lender||What borrowers say|
|Ace Cash Express||
|Check ‘n Go||
Choose your state of residence and select Show me my options to compare even more lenders.
You can — states generally don’t require lenders to check your credit when you take out a loan. But you might not get the best deal. That’s because lenders that don’t check your credit typically assume the worst and offer less favorable rates and terms than those who do.
Even if your credit is far from perfect, a lender that checks your credit is often a better bet. Look out for other red flags like guarantees and upfront fees before you apply.
|ACE Cash Express|
|Check Into Cash|
|SWIFT Money Loans|
As with every lending option, always be sure you can repay what you borrow.
Take some time to go through the loan’s terms and conditions, as this document tells you how much you may have to pay in different circumstances such as rollovers and late payments. Some states don’t allow you to refinance a loan or take out more than one within a given period of time.
You’ll also have to pay additional fees if you make a late payment, and your lender may report your missed payments to credit bureaus. Reconsider applying if you think you may have troubles repaying your borrowed funds.
Knowing what to look for in a legit lender is just as important as understanding common scams. Once you’ve checked over your state laws, know how much you need to borrow and have an idea how to repay, start comparing your options to be sure you’re getting a good deal.
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