short-term loans review July 2018 | Logo payday loans review July 2018

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If you need a short-term loan, try’s free lender-connection service.

Sometimes you find yourself in a financial pinch and need funds. If you have nowhere to turn, you might be considering applying for a cash advance loan, a short-term loan that you repay on your next payday. may be helpful. Tell them a little about your situation, and they will connect you with a lender who fits your credit profile.

What kinds of loans does offer? specializes in connecting you with lenders that give cash advance loans between $100 and $500. They also have lenders offering installment loans up to $5,000.

Compare to other lenders

Rates last updated July 16th, 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
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.
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.
generally receive the money the next business day
Be 18+ years of age and have a checking account that can accept electronic transfers.
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 Payday 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.
LoanByPhone Payday and Installment Loans
This mobile lender offers convenient cash loans. Apply online or by phone.
1–2 business days
Must be 21 years old and have a Social Security number, a regular source of income, a valid email address, an active checking account and a phone number.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.

Compare up to 4 providers

How does work?

Though you’re more likely to obtain a cash advance loan if you meet certain requirements (currently employed, at least $800 in monthly income, etc.), you can apply even without a job or stellar credit.’s services are free to use, and you can quickly see if you’re approved by filling out the no-obligation loan request form.

After you submit your application, you’ll be notified if there’s an appropriate lender for you. If you are, you’ll be redirected to the lender’s website where you can view your loan offer. Look these over carefully so you know exactly what you’ll be paying.

If the lender approves you for a loan, they will deposit the money into your bank account, generally within one business day, though it might take a few days for your bank to process the loan completely.

There’s more you should know about how loan brokers work before you apply

What are the features of a cash advance loan?

  • Bad credit is OK. Regardless of your credit, you’re welcome to apply for a loan at They will go through their network of lenders to find a lender that fits with your needs.
  • Find out quickly if you’re approved. To obtain a loan, just fill out the form on and you’ll learn in a few minutes whether 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.
  • Accredited service. is accredited by the Online Lenders Alliance (OLA), meaning they follow a list of best practices to ensure you find the best loan for you.

Read our page on the Online Lenders Alliance (OLA)

What will it cost to take out a cash advance loan? does not charge any fees to use its service.

If the site connects you with a lender, be sure to read your lender’s terms for fees and rates. Interest rates on cash advance loans through third-party lenders 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.

What are the requirements to apply for a loan?

Lenders who offer cash advance loans want to know they have a high probability of being repaid, so they are more likely to offer you a loan if you meet certain requirements.

Eligibility requirements:

  • Be at least 18 years old (varies by state)
  • Have an income of $800 or more in wages each month
  • Have a valid bank account
  • You are a resident of the United States

Required information:

  • Your name, residential address, birth date, email address and phone number
  • Your Social Security number and driver’s license number
  • Your employment information (job title, employer name and monthly net income)
  • Your bank information (bank routing number and account number)

Though meeting these qualifications makes it easier to obtain a loan, you may still be approved for a cash advance loan without meeting the listed requirements. allows anyone to apply for a loan even with poor credit or prior bankruptcies.

Are payday loans available in my state?

Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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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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