short-term loans review 2019 | Logo payday loans review

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No time to waste? Try using this short-term loan connection service.

If you’ve found yourself short for cash and don’t have time to compare lenders, could be a solution. It can quickly connect you with a lender that can help you no matter your credit or employment status. But with no reviews online and limited company info, it might not be your first choice.

What is is a lender connection service that specializes in connecting you with lenders that give offer payday loans — also known as cash advances — of $100 to $500. In addition, you can request an installment loan of up to $5,000. The exact amount you qualify for will depend on your state and ability to repay the loan.

Its services are free to use, and you’ll know if you’ve been connected with a lender shortly after you apply. However, it isn’t available in every state and the lender you’re connected with might run a credit check, which could harm your score.

What are the benefits of using

  • Member of the OLA. is a member of the Online Lenders Alliance (OLA), which has a list of best practices and industry standards that connection services abide by to keep you safe from predatory lenders.
  • Bad credit OK. Regardless of your credit score or any past bankruptcies, you’re welcome to apply for a loan at It will go through its network of lenders to try and find one that fits with your needs.
  • Quick turnaround. Once you’ve filled out the application form, will get back with you quickly to inform you if you’ve been connected with a lender.
  • No obligation. Filling out the form doesn’t mean you’re locked into a contract. You choose whether to accept the terms of a loan after you’re connected.

What to watch out for

  • Limited company information. has an about section, but it doesn’t provide much information about the company itself. And with only a phone number and an email form to get in touch, you likely won’t be able to ask for more when you apply.
  • Not available everywhere. doesn’t lend to residents of Arkansas, New York, Pennsylvania, Vermont, Washington or West Virginia. And if it doesn’t have a lender in your state, you won’t be connected.
  • May check credit. While won’t check your credit, some of its partner lenders might. This could lower your score, making it harder to qualify for personal loans from banks and online lenders in the future.

Compare more short-term loan providers

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 high costs doesn’t charge any fees, but that doesn’t mean it’s cheap to borrow. If you’re connected with al ender, be sure to read its terms for fees and rates. Interest rates on cash advance loans can range from 200% to 2,290%, and you may also need to pay financing fees once you receive your loan.

Other fees may be added if you are late or miss a payment entirely. Always be sure you can pay back money within your next payday before you borrow any money. If you can’t, or if you think this might not be the best choice for you, consider your short-term loan alternatives instead.

Is it safe to apply with

Your information is safe when you enter it into’s application, but that doesn’t mean you’re completely safe. Part of the connection service process is having your information sent to various lenders. This means you could be contact days or even weeks after you’ve applied with a lender — which could lead to some phone calls or junk email sent your way.

However, this is normal for any connection service. Its privacy policy lists how you can limit certain types of sharing, and its website is protected by McAfee so your information remains secure.

What does the Internet say about

Not much. Like many other connection services, doesn’t have a page with the Better Business Bureau (BBB) or on Trustpilot. This means you’re flying blind when you use it as a connection service.

If you do choose to apply through, check the BBB and Trustpilot for the lender you’re connected with. Be sure to note its ratings and how easy it is to contact customer service before you complete a full application and borrow a loan.

Am I eligible?

In order to be connected with a lender, you must meet the following criteria:

  • You must have an income of at least $800 per month
  • You must have an open bank account
  • You must be a US citizen or permanent resident
  • You must be at least 18 years old (varies by state)

How do I apply?

Provided you have all the information ready, it only takes 10 to 15 minutes to apply with

  1. Visit and select how much you need. Then enter your first and last name, zip code and email address. Click Get Started.
  2. Select the amount you want to borrow, enter your full address and your phone number. Click Continue.
  3. Enter your first and last name, email and date of birth. Click Continue.
  4. Enter your bank’s ABA/routing number and your account number. Click Continue.
  5. Select how frequently you’re paid, your next pay date, your bank account type and if you have direct deposit. Click Continue.
  6. Enter information about your employment. Click Continue.
  7. Enter your driver’s license number and Social Security number. Read over the terms & conditions. Click Go to submit your application.

Once you submit, will review your application and attempt to connect you with a lender.

I was connected with a lender. Now what?

Once you’re connected with a lender, you’ll be redirected to its website to complete your application. Your lender will review it and may contact you for more information. If approved, read over your loan contract carefully. This will state the amount you’re borrowing, the amount you’ll pay back and when each payment is due. Keep track of this and budget carefully — a missed payment could result in a high late fee from the lender and an overdraft fee from your bank.

Bottom line is a convenient way to find a lender hwne you odn’t have time to compare. But with limited company information and no reviews, it makes sense to consider other short-term loan brokers and check out our guide to payday loans so you know you’re getting the best deal possible.

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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