6 short-term loan connection sites like CashUSA | finder.com
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6 short-term loan connection sites like CashUSA

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Consider these alternative providers for your next installment loan.

CashUSA is a lender connection service that can help you find a loan between $500 and $10,000. The lenders in its network have long loan terms ranging from 90 days to 72 months, giving you plenty of time to pay back what you borrow. The entire process takes place online, and you can usually have your loan deposited into your account as soon as the next business day.

However, you must have a monthly income of $1,000 or more before taxes and a valid checking account to qualify for a loan. This can be impossible for many people looking for short-term loans, and may not be your best choice for a loan connection service.

  • Borrow up to $10,000.
  • Debt consolidation loans available.
  • Offers a financial education center.
  • Long loan terms — 90 days to 72 months.
  • Abides by a Responsibility Pledge.
  • Must have a monthly income of at least $1,000 after taxes.
  • Must have a work phone number, a home phone number and an email address.
  • No reviews on the Better Business Bureau (BBB) website.
  • No FAQ section outlining common questions and concerns for borrowers.

Click here to see CashUSA


1. LendYou

LendYou connects borrowers to lenders with payday loans, installment loans or personal loans. It is a member of the Online Lenders Alliance and its loan options range from $100 to $15,000 — higher than CashUSA’s $10,000 maximum limit.

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.

Pros

  • Member of the Online Lenders Alliance (OLA).
  • Offers payday, installment and personal loans.
  • Extensive FAQ section to address user needs.
  • Generous loan amounts up to $15,000.
  • All credit scores welcome.

Cons

  • Must make at least $1,000 per month before taxes.
  • Fair credit needed to qualify for larger loans.
  • Must have a valid bank account.

2. Bad Credit Loans

Bad Credit Loans has been connecting borrowers to lenders since 1998. Its affiliate lenders extend loans between $500 to $5,000 and terms last anywhere from 3 to 36 months.

Unlike Cash USA, Bad Credit Loans can connect you with lenders for anything from personal, business, student loans and more. Loan terms and amounts are smaller than the lenders in CashUSA’s affiliate network. If you need more than $5,000 or want to take more time to pay off your loan, then BadCreditLoans.com may not be the right connection service.

Pros

  • Provides information on how to avoid scams.
  • Follows a Policy on Responsible Lending.
  • Multiple loan options including personal, business and student loans.
  • Poor credit accepted.

Cons

  • Have a regular income of at least $1,000 per month
  • Low maximum loans of $5,000.
  • Must share your phone number and email address.
  • Need a valid bank account.
  • Have a fair credit rating for larger personal loans.

3. OppLoans

OppLoans is a direct lender rather than a connection service like CashUSA. OppLoans offers installment loans to pay back over time with terms from 9 to 36 months. OppLoans offers loans as low as $500 and up to $4,000 — much less than CashUSA’s $10,000 maximum.

Because OppLoans is a direct lender, you’ll work with this lender from start to finish, avoiding sharing your personal information to various 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.

Like CashUSA, OppLoans requires a minimum income requirement and a bank account. Though, depending on your state of residence, you may need to meet a monthly minimum income requirement of $1,300 to $3,600. This lender reports to the three credit bureaus: Experian, TransUnion and Equifax. So paying on time can help improve your credit score — or hurt it if you’re unable to pay.

Pros

  • Offers multiple financial resources.
  • Backed by FinWise bank.
  • Accredited by the Better Business Bureau (BBB).
  • Longer repayment terms than other short-term loans of 9 to 36 months.
  • No prepayment penalties or financing fees.

Cons

  • Borrowers must meet minimum monthly income requirements.
  • Must be employed for at least 90 days.
  • Paychecks must be received through direct deposit.

4. Slam Dunk Loans

The affiliates in Slam Dunk Loans’ network offer short-term loans of $100 to $2,500, a lower maximum limit than CashUSA. Though, smaller amounts can make it easier to borrow only what you need to get ahead, without tempting you to take out more than you need.

Unlike CashUSA, Slam Dunk Loans lets potential borrowers apply for a loan over the phone. If you’re someone without a stable Internet connection or want to speak directly with a customer service agent, this could benefit you.

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.

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.

Pros

  • Member of the Online Lenders Alliance (OLA).
  • Allows applications via phone.
  • Simple application process.
  • Quick turnaround.
  • Lends to those with poor credit.
  • Low minimum loan amount of $100.

Cons

  • Must have a monthly income of at least $800 and provide proof of income.
  • Doesn’t offer lending to all 50 states.
  • Low maximum loan amount of $2,500.

5. HonestLoans

Like CashUSA, HonestLoans is a loan connection service that offers payday or personal loans to those with poor credit. With loans from $400 to $2,500 your lending options are much lower than with CashUSA.

To be eligible for a loan through HonestLoan’s affiliates, you must be employed, have a regular source of income of at least $800 a month and have a checking account.

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.

Pros

  • Member of the Online Lenders Alliance (OLA)
  • Provides borrowers with a Disclosures page
  • Quick turnaround in as little as one day.
  • Accepts people with all credit.
  • Use funds for any purpose.

Cons

  • Low maximum loan amount of $2,500.
  • Requires a minimum income of $800 per month.
  • Must be employed and have proof of employment.
  • Must have a checking account.
  • Not available in all 50 states.

6. NetCredit

Unlike CashUSA, NetCredit offers personal loans as high as $10,000 to qualified borrowers. But rather than a connection service, NetCredit is a direct lender, so you’ll work with it from start to finish. 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.

Unlike CashUSA, NetCredit doesn’t require you 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.

NetCredit offers loans to residents of Alabama, California, Delaware, Georgia, Idaho, Illinois, Missouri, New Mexico, North Dakota, South Carolina, South Dakota, Utah, Virginia and Wisconsin. If you’re looking for a loan in another state, you’ll need to look elsewhere.

Pros

  • No minimum income required to apply.
  • Multiple tools to help protect borrowers.
  • Plenty of ways to repay your loan via your bank account, a debit card, a paper check, a money order, MoneyGram or Western Union.
  • Option to return your loan in two days.
  • High maximum loan amount of $10,000.

Cons

  • Maximum loan amount is limited by state.
  • Doesn’t offer loans to all 50 states.

Compare more loan connection services

Rates last updated July 19th, 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
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
LendYou Payday 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
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

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.

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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