Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure payday loans review

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.

No reviews yet. Write a review


Min. Amount


Max. Amount


Min. Amount$100
Max. Amount$5,000
Loan TermVaries by state
RequirementsBe US citizen or permanent resident, be at least 18 years old (varies by state), have an open bank account and have an income of at least $800 per month

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 alternatives to

Choose your state of residence to see you options and explore by loan amount, turnaround time and requirements. Select the Go to site button for more information on a particular provider.

1 - 0 of 0
Name Product Filter Values Loan amount Turnaround time Requirements
Chime SpotMe®
Not rated yet
Chime SpotMe®
Up to $200
Same day
Single qualifying $200 direct deposit into Chime checking account in the last 34 days.
Access fee-free overdrafts up to $200 when eligible. Plus get your paycheck up to 2 days early with direct deposit. See Chime terms and conditions.
Smart Advances
Not rated yet
Smart Advances
$100 to $20,000
As soon as one business day after loan closing
Have a regular income, 18+ years old, be a U.S. citizen with a valid SSN, have an open bank account, meet any additional requirements your lender may have
Smart Advances was designed to help you request the loan you need, for any reason.
Not rated yet
$20 to $250
3 to 4 days standard transfer. Same day with $3.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
OppLoans Installment Loans
Finder Rating: 4.7 / 5: ★★★★★
OppLoans Installment Loans
$500 to $4,000
As soon as the same business day.
+18 years old, Receive paychecks through direct deposit, Meet minimum income requirements, Live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Not rated yet
1 to 3 business days, or instant with a fee or Premium subscription
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
Possible Finance Mobile Installment Loans
Up to $500
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 21 states.
LendYou Short-term Loans
Finder Rating: 2.5 / 5: ★★★★★
LendYou Short-term Loans
$100 to $1,000
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
MoneyLion Instacash advances
$250, $1000 with RoarMoney account
Up to 5 days or instant for a fee
Bank account must have at least 60 days of activity, show recurring deposits and must have a positive balance
Fee-free, interest-free cash advances up to $250.
Fast5kLoans Short-term Loans Connection Service
Finder Rating: 3.5 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
CashNetUSA Loan
Finder Rating: 3.6 / 5: ★★★★★
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.

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. reviews and complaints

Like many other connection services, doesn’t have a BBB or Trustpilot page. If you do choose to use, 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?

Frequently asked questions

Does charge any fees?
No. doesn’t charge any fees to use its service.
How much am I allowed to borrow?
Through the website, you can request up to $5,000. However, the maximum amount you can borrow will be determined by the lender you’re connected with and the regulations of your state.
Do I have to be employed to apply for a cash advance loan?
No. If you don’t have a job, will try to connect you with lenders that offer loans to unemployed individuals.
How will I receive my cash advance loan?
If you’re approved, your loan will be deposited in the bank account you provided when applying through
What will my repayment terms be?
It depends on the lender you’re connected with. Read your contract carefully and contact your lender if you have any questions.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site