Editor's choice: OppLoans Installment Loans
- Easy online application
- Quick approval
- Long repayment terms
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If you’re in need of money, you may want to consider a short-term loan.
You can apply for a quick short-term loan, also known as a payday loan, even if you have bad credit or receive government benefits, and you can use your loan for whatever you need.
Our guide below will help you determine if a this is a good option for you.
How fast you can receive your money depends on whether you apply online or in-store.
Online applicants will find filling out an application easy to do from the comfort of their own home or anywhere with an Internet connection, but they will generally have to wait at least a day for approved funds to be transferred to their bank account.
In-store applicants will have to bring all the required documentation with them, but lenders are able to disperse funds shortly after approval in the form of cash, check or prepaid debit card.
The maximum amount you can apply for depends on your state’s payday loan regulations. There are also restrictions on APR, whether you can take out multiple payday loans and if you can rollover a loan.
Quick payday loans are known for having high costs, so keep this in mind when applying. A late or missed payment could damage your credit and end up costing you a lot of money in the form of extra charges.
Here are some loan providers you can apply with. Note that the maximum loan amount is based on the lender and will vary based on your state.
These lender-connection services are not direct lenders or brokers for any particular lender. They focus on trying to match you with a lender that might be able to provide you the funds you seek. Note that the maximum loan amount is based on the matching service’s maximum and will vary by state. If you proceed with one of these services, confirm that the lender is reputable by checking with your local government.
If you apply with any of the lenders listed above, check this table for when you can expect to receive your funds.
|100 Day Loans||Depends on the lender, usually 1 business day.|
|Achieve Lending||Depends on the lender, usually 1 business day.|
|Advance America||Online applications received prior to 8 p.m. EST are usually funded the next banking day. In-store loans can be funded within 10-15 minutes.|
|CashAdvance.com||Depends on the lender, usually 1-2 business days.|
|CashNetUSA||If you’re approved by 9 p.m. CST Mon-Thurs, you’ll generally receive your funds the next business day. If you’re approved between 9 p.m. CST Thursday and 7 p.m. CST Sunday, you’ll receive your funds on Monday unless it’s a bank holiday.|
|Cash Central||Loans approved before 7:45 p.m. EST (6:45 p.m. CST, 5:45 p.m. MST, 4:45 p.m. PST) Mon-Thurs are usually deposited the next business day. Applications submitted Fri-Sun before 7:45 p.m. EST will be funded the following banking day and applications submitted Sunday after 7:45 p.m. will be funded on Tuesday.|
|Check City||Online applications take one business day and in-store applications take around 15 minutes. If you apply online and are approved before 7 p.m. MST on weekdays or 8 p.m. MST on Saturdays, the process can be completed quickly so you receive funds the next business day after approval. If you apply after these hours or on Sundays or holidays, your loan application will be processed the next business day and funds deposited into your account one day after that.|
|Check into Cash||Loan applications processed before 7 p.m. during business days are usually funded the next business day. If you apply online, you also have the option of picking up your approved funds in-store.|
|LendUp||If your loan is approved by 5 p.m. PST Mon-Fri (excluding holidays), you will generally receive your funds the next business day. Exact funding time depends on your bank.|
|LoanMart||One business day.|
|NetLoanUSA||Loan processing and transfer times vary between lenders.|
|Personal Money Network||Loan processing and transfer times vary between lenders, but you can receive your approved funds the next business day.|
|Speedy Cash||Online loans take one business day to be processed. If you visit a store you can pick up cash or have it loaded onto a prepaid debit card.|
|TrustedLoanNetwork||Loan processing and transfer times vary between lenders.|
|USPayDayCashFast.com||You can expect approved funds in your account by the next business day.|
When you’re comparing loans, here are some features you should look out for.
You have a few different options when you need money quickly, including:
Here are some things to look for:
Always review a loan’s terms and conditions before accepting the contract so you know what additional fees and charges you should expect.
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