Editor's choice: LendYou Short-term Loans
- Funds as early as same day
- Loans up to $15,000
- No collateral required
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6 short-term loan connection sites like CashUSA
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, 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.
- 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 before taxes.
- Must have a valid checking account.
- Receives a low rating from the Better Business Bureau (BBB).
- No FAQ section outlining common questions and concerns for borrowers.
Alternative sites like CashUSA
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.
Pros
- Borrow up to $15,000.
- Member of the Online Lenders Alliance (OLA).
- Offers payday, installment and personal loans.
- Extensive FAQ section to address user needs.
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
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 $5,000, and terms are shorter, lasting only 3 to 36 months.
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 for you.
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
- Must have a regular income of at least $1,000 per month
- Low maximum loan amount of $5,000.
- Must have a fair credit rating for larger personal loans.
- Need a valid bank account.
- Must share your phone number and email address.
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.
Pros
- Offers multiple financial resources.
- Backed by FinWise bank.
- Accredited by the Better Business Bureau (BBB).
- 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.
- Shorter loan term of 9 to 24 months.
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.
Pros
- Low minimum loan amount of $100.
- Member of the Online Lenders Alliance (OLA).
- Allows applications via phone.
- Poor credit accepted.
Cons
- Must have a monthly income of at least $800 and provide proof of income.
- Low maximum loan amount of $50,000.
- Doesn’t offer loans to all 50 states.
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.
Pros
- Member of the Online Lenders Alliance (OLA).
- Provides borrowers with a Disclosures page.
- Accepts people of all credit types.
Cons
- Low maximum loan amount of $50,000.
- 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
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.
Pros
- High maximum loan amount of $10,000.
- No minimum income required to apply.
- Option to return your loan in two days.
- Multiple tools to help protect borrowers.
- Repay your loan via your bank account, a debit card, a paper check, a money order, MoneyGram or Western Union.
Cons
- Maximum loan amount is limited by state.
- Doesn’t offer loans to all 50 states.
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