Short-term loan connection sites like BadCreditLoans.com | finder.com
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Short-term loan connection sites like BadCreditLoans.com

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The best alternative providers for short-term loan connection services.

Since 1998, BadCreditLoans.com has been an online source for quick cash loans. Rather than offer loans itself, BadCreditLoans.com connects you with a lender in its network that fits your needs. Its network lenders have terms between 3 to 36 months and offer loans between $500 and $5,000.

BadCreditLoans.com isn’t a direct lender. This means the information you enter on the site is shared to affiliates after you’ve completed your loan. However, it can make the process easier by showing you a lender that fits with the criteria you outline on your application.

This process is normal, and all of the similar lenders listed below work in a similar way.

  • Easy-to-meet eligibility criteria.
  • Loans can be used for a variety of purposes.
  • Large loan amount of up to$5,000.
  • No minimum monthly income required.
  • Consumer information on scams.
  • Follows a Responsibility Pledge.
  • Must have a phone number, email address and checking account.
  • Your personal information may be shared with third parties.

Click here to see BadCreditLoans.com


1. CashUSA

Like BadCreditLoans.com, CashUSA connects you with potential lenders by scanning your application and connecting you with relevant lenders in its affiliate network. Its loan terms are longer than those from BadCreditLoans.com, ranging from 90 days to 72 months. It also has a significantly higher lending limit at $10,000.

The lenders in CashUSA’s network require borrowers to have a minimum income of $1,000 after taxes. This can be a hard qualification to meet for many, and some lenders may not consider income from a spouse or other household member when underwriting your loan request.

CashUSA offers free resources in its education center that covers debt, credit, finances and banking. These are meant to help borrowers learn about the borrowing process and how to effectively pay back loans. Its education center, along with the long loan terms and large loan amounts offered by its affiliates, sets CashUSA apart from the competition.

Pros

  • Long loan terms of 90 days to 72 months.
  • Large loan amount of up to $10,000.
  • Debt education resources.

Cons

  • Minimum monthly income of $1,000 required.
  • Must have a phone number, email address and checking account.

2. Slam Dunk Loans

Slam Dunk Loans has lenders in its network that offer short-term loans between $100 and $2,500. Its lenders require borrowers to be employed and have a minimum monthly income of $800.

Slam Dunk Loans has a lower minimum of $100 so you can borrow as little as you need. Other providers that have higher minimum loan amounts may force your hand, trapping you in a cycle of debt that can potentially impact your credit.

Unlike BadCreditLoans.com that can connect you with lenders offering loans between $500 and $5,000, Slam Dunk lenders offer less at $100 to $2,500. This can be great if you’re looking to borrow a small amount, but if you need more, it’s best to compare other providers.

Pros

  • Can apply by phone or online.
  • Low starting amount of $100.
  • Member of the Online Lenders Alliance.

Cons

  • Low maximum loan amount of $2,500.
  • Minimum monthly income of $800 required.
  • Must be employed.
  • Must have a checking account.

3. HonestLoans

HonestLoans is a lender-connection service with transparency that reflects its name. HonestLoans makes it clear that it isn’t a lender and may be able to redirect you to a lender that may be able to cover your financial needs. The site design is simple and easy to navigate.

Its application page includes links to disclosures regarding lead generation so you know how your information will be used and what to expect when you’re connected with a lender.

It only offers installment and personal loans between $400 and $2,500, so if you’re looking to borrow more, you’re better off checking out BadCreditLoans.com or another provider.

Unlike BadCreditLoans.com and several other providers on this list that offer financial education resources, HonestLoans has a very sparse website with only a handful of pages to inform potential borrowers. BadCreditLoans.com is much more comprehensive and has information on common scams and different types of loans you may be able to borrow.

Pros

  • Low minimum loan amount of $400.
  • Member of the Online Lenders Alliance.

Cons

  • Minimum monthly income of $800 required.
  • Must be employed.
  • Must have a checking account.
  • Low maximum loan amount of $2,500.

4. LendYou

LendYou is a connection service that helps borrowers find lenders offering installment loans up to$15,000. It is a member of the Online Lender’s Alliance and has a variety of loan types to work for every person’s individual needs.

LendYou doesn’t limit its connection services to just lenders of installment loans. You can apply for a payday loan as low as $100 or a personal loan as high as $15,000. However, personal loan options are only for people with fair or better credit.

Loan terms aren’t stated on the site. While you can apply for an installment loan, you won’t know the potential terms until you’re connected with a lender. This makes it harder to gauge how much you’ll need to budget for your repayments.

Pros

  • Offers payday loans and personal loans.
  • High maximum amounts for personal loans, available up to $15,000.
  • Member of the Online Lenders Alliance.

Cons

  • Minimum monthly income of $1,000 required.
  • Must have a checking account.
  • Applicants need fair credit to be approved for larger personal loans.

5. Swift Money Loan

Swift Money Loan is a connection service operated by Pomo One Marketing, a tribal lending operation. Its lending affiliates offer loans between $200 and $1,200. Unlike BadCreditLoans.com, Swift Money Loans lends through a tiered process. First-time borrowers are limited to a lower loan amount. As you repay your loans, you’re rewarded with higher loan amounts and better terms.

Because Swift Money Loan is run by a Native American tribe and has tribal lenders in its network, you may be able to find an installment loan in a state that may otherwise not allow them.

If you’re looking for a connection service that explains the borrowing process and how lead generation works, Swift may not be the right option for you. Its website only has the basic information you’ll need to start the loan process.

Pros

  • Higher loan amount for returning borrowers.
  • Network of both tribal and nontribal lenders.
  • May be able to get a cash loan if you don’t have a bank account.

Cons

  • Low initial loan amounts.
  • Website isn’t very informative.

6. Cash Advance

In business since 1997, Cash Advance is a tribal connection service under control of the Ute Indian Tribe. Although some lenders in its network may offer longer loan terms of multiple months, many other terms more closely resemble payday loans.

Lenders with Cash Advance only offer loans up to $1,000, so it may not cover any larger expense you’re facing. Harder still is meeting the minimum monthly income requirement of $1,000. If neither of these suit you, look elsewhere for a loan.

Have a question? CashAdvance.com has an extensive FAQ section, information about scams and pages about state laws to help you make an informed decision. It also has affiliate lenders across the US so you can get a loan no matter where you live.

Pros

  • Longer loan terms available.
  • Member of the Online Lenders Alliance.
  • Informative FAQ section on website.

Cons

  • Low loan amounts up to just $1,000.
  • Minimum monthly income of $1,000 required.
  • Must be employed.
  • Must have a checking account, email address and phone number.

7. TriangleCash

TriangleCash is a lender connection service that offers loans from $100 to $1,000 — significantly lower than BadCreditLoans.com’s high $5,000 limit.

TriangleCash has affiliates in a majority of US states, and its network includes both tribal and nontribal lenders. Plus, unlike many of its competitors, it lists its marketing partners so you know who has access to your personal information.

TriangleCash doesn’t display possible loan terms offered by its affiliates. It also doesn’t have a contact phone number listed, which means if you have a question, you’ll need to email and wait for a response.

Pros

  • No minimum income requirement.
  • Network includes tribal and nontribal lenders.
  • Has an easily-accessible list of lending partners.
  • Available in a majority of states.

Cons

  • Low loan amounts up to just $1,000.
  • No contact phone number listed.

Compare more short-term loan connection services

Rates last updated November 15th, 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 Term of Loan Turnaround Time Max. Loan Amount
BadCreditLoans.com
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
3 to 36 months
Varies
$5,000
LendYou Short-term Loans
Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
Varies
1 business day
$15,000
CashAdvance.com Payday Loans
Whether for emergencies or unexpected expenses, this provider may be able to connect you among its nationwide network of lenders.
Up to 12 months
1–2 business days
$1,000
Slam Dunk Loans
Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
Varies by lender
As soon as next business day
$2,500
TriangleCash Payday Loans
If you have bad credit or no credit history, apply to be connected to a network of lenders for funding at rates that vary by state.
Varies based on lender
As soon as next business day
$1,000
LoanSolo.com Payday Loans
Potentially get connected with a legit lender offering convenient payday loans and quickly get funds.
Varies by lender
As soon as one business day
$1,000

Compare up to 4 providers

Kellye Guinan

Kellye Guinan is a writer and editor with finder.com and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

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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.

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Installment loans with competitive rates from a top-rated direct lender.

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