6 short-term loan connection sites like CashUSA

CashUSA is a lender connection service that can help you find a loan between $500 and $10,000, usually with terms lasting anywhere from 90 days to 72 months. However, you must have a monthly income of at least $1,000 or more before taxes and a valid checking account to qualify. If you don’t meet these requirements, it may be best to look into another connection service.

Alternative sites like CashUSA

• LendYou
• Bad Credit Loan
• OppLoans

• Slam Dunk Loans
• HonestLoans
• NetCredit

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Click here to see CashUSA

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1. LendYou

LendYou works with multiple types of lenders, including those that offer payday loans and personal loans in addition to installment lonas. It’s a member of the Online Lenders Alliance, and you may be able to borrow up to $15,000 — higher than CashUSA’s maximum.

Like CashUSA, you could get your loan in as little as one day through a bank direct deposit. Borrowers are required to have a minimum monthly income of $1,000 to be connected with a lender for a payday loan, installment loan or larger personal loan. But only those with fair credit are awarded with higher loan amounts.

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2. Bad Credit Loans

Unlike Cash USA, Bad Credit Loans can connect you with lenders for anything from personal, business, student loans and more. But the lenders in its network only offer loans between $500 to $10,000, and terms are shorter, lasting only 3 to 36 months.

If you need more than $10,000 or want to take more time to pay off your loan, then BadCreditLoans.com may not be the right connection service for you.

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3. OppLoans

Unlike CashUSA, OppLoans is a direct lender rather than a connection service. It offers installment loans with terms from 9 to 24 months. You can borrow as little as $500 and up to $5,000 — much less than CashUSA’s $10,000 maximum. It also reports to to the three credit bureaus: Experian, TransUnion and Equifax. So paying on time can help improve your credit score.

Since Opploans is a direct lender, your personal information won’t be sent to other lenders. It shows its commitment to helping people become financially independent by offering courses on financial education, scholarships for college students and a blog discussing a number of financial topics. But it still has a minimum income requirement of $1,300 to $3,600. And if you’re unable to make a payment on time, your credit score might take a hit.

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4. Slam Dunk Loans

The affiliates in Slam Dunk Loans’ network offer short-term loans of $100 to $50,000, a lower maximum limit than CashUSA. But unlike CashUSA, Slam Dunk Loans lets potential borrowers request a lender connection over the phone in addition to filling out an online form. If you’re someone without a stable Internet connection or want to speak directly with a customer service agent, this could be a huge benefit.

Like CashUSA, Slam Dunk Loans’ affiliates require you to have a minimum income. At $800 a month, it’s lower than CashUSA’s $1,000 minimum. You’ll just have to make sure you live in one of its serviced states. Slam Dunk Loans doesn’t offer loans to residents of Arizona, Arkansas, Connecticut, District of Columbia, Georgia, Maryland, Massachusetts, New Jersey, New York, North Carolina, Oregon, Pennsylvania, Vermont, Virginia or West Virginia.

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5. HonestLoans

HonestLoans may be a connection service like CashUSA, but you’ll only be able to borrow between $400 to $50,000. This can be convenient if you only need a small loan, but frustrating if you have a larger expense that a lender in HonestLoans’ network won’t be able to cover.

You’ll also have to meet more stringent requirements than with HonestLoans. You must be employed, have a regular source of income of at least $800 a month and have a checking account. And unlike CashUSA, HonestLoans doesn’t offer loans to all 50 states. If you live in Arkansas, Arizona, Georgia, Oregon, Virginia, West Virginia or New York, you’ll have to look for another lender.

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6. NetCredit

NetCredit also offers personal loans as high as $10,000 to qualified borrowers. But unlike CashUSA, NetCredit is a direct lender and it reports your loan payments to Experian and TransUnion, giving you a chance to build your credit. But be careful: If you’re unable to make a payment, you could harm your credit score.

You won’t have to meet a minimum monthly income to qualify for a loan. It also has a My Choice Guarantee, which allows you to return your loan within two business days if your plans change. However, it serves a limited number of states. Residents of Alabama, California, Delaware, Georgia, Idaho, Illinois, Missouri, New Mexico, North Dakota, South Carolina, South Dakota, Utah, Virginia and Wisconsin don’t qualify.

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Frequently asked questions

• Will I need a bank account to qualify?

  Yes. All the connection services on this page require borrowers to have a bank account to be connected with a lender. If you don’t have one, read our guide to short-term loans without a bank account to see if there’s a lender that could work for you.

• What's the difference between a direct lender and a connection service?

  A direct lender is one that lends to a borrower directly — so you won’t need to fill out any forms beyond your application, and you generally won’t have to worry about your personal information being shared with multiple third parties. A connection service works by connecting borrowers to prospective direct lenders. It means your personal information will be shared, but you may be able to increase your chances of finding a good fit for you without having to spend much time researching.

• Am I guaranteed to be connected with a lender?

  No. None of the connection services listed above can guarantee that you’ll be connected with a lender, even if you meet the minimum eligibility criteria. To increase your chances, carefully fill out each online form and read it over for mistakes before submitting.