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Compare payday loan connection services

Want to compare multiple short-term loan offers in one place? Let a connection service handle it for you.


Editor's choice: OppLoans Installment Loans

OppLoans Installment Loans logo
  • Easy online application
  • Quick approval
  • Long repayment terms
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Name Product Filter Values Loan amount Turnaround time Requirements
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.
LendYou Short-term Loans
$100 to $2,500
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.
$500 to $10,000
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
CashUSA Installment Loans
$500 to $10,000
As fast as same business day
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
$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.

Compare up to 4 providers

How do payday loan connection services work?

A loan connection service works to pair borrowers like you with a suitable lender. They don’t provide loans. Instead, they compare your application against a network of lenders to see which can best fit your needs and situation.

Most loan matching services don’t charge a fee for their services. Their money comes from generating leads or referring you to direct lenders, similar to a commission. Some also function as a lender subscription service. Lenders pay the referral service to be a part of its network, and the referral service then chooses one or more to show you based on what criteria you meet.

All of this boils down to you being able to submit one application and potentially get more than one offer. A loan connection service could cut down on comparison time and save you the frustration of sorting through different lenders that you may not qualify for.

Payday loan connection services vs. direct lenders

Loan connection services

  • Ease of application. You’ll have one application for several lenders. The total time to apply is about 10 minutes.
  • Fees. There is usually no fee for working with a loan broker.
  • Safety. Legit brokers have secure websites but may share your contact information for marketing purposes (read the broker’s privacy policy to learn more).
  • Eligibility requirements. Brokers have minimal blanket eligibility criteria to screen applicants, but they do accept people with a wide range of circumstances to see if they might be fit for any lenders in the network

Direct lenders

  • Ease of application. You’ll have to fill out one application per lender. The total time to apply is about 10 minutes.
  • Fees. Every lender will charge a financing fee and interest based on the laws of your state of residence.
  • Safety. Legit lenders have secure websites and typically don’t share your information with third parties.
  • Eligibility requirements. It varies by lender, but you must live in a state where the lender operates and show proof of regular income.

Quick snapshot of how these two options differ

Matching serviceDirect lenders
Ease of applicationOne application for several lenders, total time to apply: approx. 10 minutesOne application for each lender, total time to apply: approx. 10 minutes per website
FeesVaries by lender, usually no additional fee charged by the brokerVaries by lender, usually a financing fee of $10-25 per $100 borrowed
SafetyLegit brokers have secure websites, but may share your contact information for marketing purposes (read the broker’s privacy policy to learn more)Legit lenders have secure websites and typically don’t share your information with third-parties
Eligibility requirementsBrokers have minimal blanket eligibility criteria to screen applicants, but accept people with a wide range of circumstances and see if they could be a fit for any lenders in the partner networkVaries by lender, but you must live in a state where the lender operates and show proof of regular income

Why should I consider before submitting my info?

A payday loan matching service is a solid solution if you’re short on time and need a little help with comparing your offers. By submitting just one application, you’re able to compare offers without the labor of finding a series of reputable lenders.

Lodging deposit due

Three friends togetherImagine this scenario: Peter is a senior at the local university. He and his friends are planning to visit Norway this winter, but Peter doesn’t have time to take extra hours at his job to save up enough money for the lodging deposit due at the end of the week.

He goes online and finds a reputable matching service who can help him get a loan for young people with little to no credit history. It takes a few days, but he doesn’t need to submit multiple applications or visit a store. The matching service shows him his options from various lenders, and Peter selects one that will pay for his lodging deposit, about $350. It had a relatively low APR, and since the loan terms give him 30 days to pay it back, Peter knows he can make up the extra time without harming his credit.

How do I find a legitimate matching service?

Here are a few easy ways to a provider with a good reputation and avoid scams.

  • Look for contact information. If you can’t find contact information anywhere on the website, that may be a red flag. You should be able to easily consult with a broker agent at any point in the process.
  • Find the privacy policy. Look for the security and privacy policies. If they’re not easily accessible, the broker may be out to collect your information and sell it.
  • Check the Better Business Bureau. A BBB rating is a decent indicator of a broker’s trustworthiness. Look for a B+ or higher.
  • Avoid approval guarantees. There’s no such thing as a guaranteed loan so you’ll want to avoid brokers that guarantee they’ll match you with a lender. You need to meet certain eligibility criteria to qualify for a loan, even if it’s as simple as being 18 years old and having an open bank account.

What to watch out for

Since payday loans can be an easy market to prey on people in need of money, you may find disreputable companies. Avoiding matching services that don’t publish contact information and security or privacy policies can help you dodge a scam.

Without transparency on privacy policies, brokers can hide their practices. For instance, some brokers allow lenders in their network to distribute your contact information to marketers. Before you fill out an application, confirm your broker is legit. In addition, don’t sign a contract with a lender you don’t think you can trust. It’s better to be safe than in a spiral of bad debt.

Make sure your lender is legit by reading these steps

Bottom line

A loan-connection service could save you time and frustration in finding a payday loan that suits your needs, but they come with risks that are important to evaluate.

As with any loan, be sure confirm and understand all of the terms and conditions before you sign a contract. You’re not obligated to accept it, whether it’s through a broker or from a direct lender. You can contact a customer service representative or explore other payday loan options until you feel comfortable with an offer.

Are payday loans available in my state?

Frequently asked questions

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    7 Responses

      Default Gravatar
      LindseyDecember 2, 2019

      I need a fast cash loan of $300. I don’t have a bank account but I have a prepaid debit card that my paycheck gets direct deposited on. What can I do?

        Avatarfinder Customer Care
        JoshuaDecember 4, 2019Staff

        Hi Lindsey,

        Thanks for getting in touch with Finder. I hope all is well with you. 😃

        I understand you need a fast cash loan of $300. If you don’t have a bank account, but you have a prepaid debit card, you may consider getting a prepaid debit card loan.

        On that page, you will learn how a prepaid debit card loan works and other things you might want to know. Moreover, there’s a table on that page that shows you lenders. First, specify your state of residence and our table shows you available options. From there, compare your options based on max loan amount, turnaround time, and requirements. Once you’re done comparing, you can then click on the “Go to site” green button to learn more.

        Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision. Moreover, check the eligibility requirements as well and consider whether the product is right for you.

        If in case our table doesn’t show you any option available in your state, you may consider getting a payday loan.

        Same procedure: specify your state on our table and you might find a loan connection service provider or lenders.

        I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

        Have a wonderful day!


      Default Gravatar
      NataraApril 27, 2019

      How to apply?

        Avatarfinder Customer Care
        JeniApril 28, 2019Staff

        Hi Natara,

        Thank you for getting in touch with Finder.

        After you choose your state on the table on this page and it shows list of options, please click on the green go to site button to be redirected to the provider’s page where you may learn more on their offered product/service or start your online application. Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision and consider whether the product is right for you.

        I hope this helps.

        Thank you and have a wonderful day!


      Avatarfinder Customer Care
      johnbasanesOctober 12, 2018Staff

      Hi Patricia,

      Thank you for leaving a question.

      You have reached finder, a comparison and general information website. If you wish to speak directly to a loan provider, kindly review and compare your options on the table displaying the available providers. Once you have chosen a particular provider, you may then click on the “Go to site” button and you will be redirected to the provider’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.
      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. Hope this helps!


      Default Gravatar
      DollethaJune 26, 2018

      Can I get a loan on a debit card

        Default Gravatar
        ArnoldJune 26, 2018

        Hi Dolletha,

        Thanks for your inquiry.

        Yes. There are lenders that offer prepaid debit card loans to US residents.

        You’ll typically need to register the card in your name, either in person, by phone, or online. Because most prepaid cards are either Visa or Mastercard, you can then begin using your card as you would any other type of credit card. Use it at retailers, utilities, or even ATMs to withdraw your cash — wherever and whenever you need it.

        Hope this information helps


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