In this guide

  • Our verdict
  • Details
    • Product details
    • Contact info
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure short-term loans review

  • Avatar
Min. Amount
Max. Amount
Turnaround time
As soon as next business day

Our verdict

Compare potential offers from multiple lenders by submitting one online form. may be a good option if you don't have the best credit and aren't sure where to turn to for a loan you might qualify for. It makes things easier by allowing you to fill out one online form to potentially get connected with lenders who may be willing to help.

However, it's not up front about what rates you might qualify for — though most short-term loans come with APRs in the triple digits. And it gets an F rating from the Better Business Bureau.

If you want more transparent terms or a lender with better reviews, you may be better off comparing your direct loan options instead.


  • Apply at no cost and with no obligation.
  • Claims to practice responsible lending.
  • Private and secure.


  • Loans come with high interest rates.

In this guide

  • Our verdict
  • Details
    • Product details
    • Contact info
  • Your reviews
  • Ask a question's rating: 2.3 / 5.0


  • Best for borrowers looking to compare multiple short-term loan options.
  • Pick something else if you don’t want your information shared with multiple companies.


Product details

Product Name
Min. Amount $500
Max. Amount $10,000
Loan Term 3 to 36 months
Turnaround Time As soon as next business day
Requirements Depends on lender requirements, poor credit borrowers may still be able to qualify for a loan. Must live in an eligible state.

Contact info

Twitter @BCL4U
Facebook @BadCreditLoanscom

First, am I eligible?

  • Be at least 18 years old.
  • Provide proof of citizenship, such as a Social Security number, or legal residency.
  • Have a regular income, either from full-time employment, self-employment, or disability or Social Security benefits.
  • Have a checking account in your name.
  • Provide work and home telephone numbers.
  • Provide a valid email address.


  • Quick application for multiple lenders
  • No fee to apply
  • Lenders offer up to $5,000


  • Not up front about potential rates
  • Reviews are mainly negative
  • Your personal information may be sold as a “lead”

See how compares to other lenders

1 - 0 of 0
Name Product Filter Values Loan amount Turnaround time Requirements
Fast5kLoans Short-term Loans Connection Service
Finder Score: 0.2 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
Finder Score: 2.5 / 5: ★★★★★
LendYou Short-term Loans
Up to $1,000 for payday loans and up to $5,000 for installment loans
1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Not rated yet
Get up to $100 per day or $750 per pay period.
1 to 3 business days, or same-day for a fee
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
No mandatory fees, no interest, and no credit checks. Subject to EarnIn terms & conditions
Not rated yet
Up to $250
3 to 4 days standard transfer. Same day with $3.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Not rated yet
Up to $250
2–3 business days or instant for a fee
Checking account 2+ months old receiving direct deposit, 2+ months working for the same employer, positive account balance, most recent paycheck was on-time, funds still available in bank account 24 hours after most recent payday.
Get up to $250 overdraft protection if you sign up for Albert's banking app.
CashUSA Installment Loans
Not rated yet
CashUSA Installment Loans
$500 to $10,000
As fast as same business day
Regular source of income, Bank account, US citizen or permanent resident, Age of majority in your state
Explore its online education center to get tips on budgeting, how to prioritize your bills and more. Payday Loans
Not rated yet Payday Loans
$100 to $999
Varies by lender
Employed, at least $1,000 in monthly take-home pay, valid checking account, US citizen, over 18, valid home and work phone number, valid email address, resident of eligible state.
Use its repayment calculator to see how the loan term and amount you borrow affects the overall cost.

What do customers say about

BBB accreditedNo
BBB ratingF
BBB customer complaints2
Trustpilot score2.7 out of 5, based on 10 customer reviews
Customer reviews verified as of30 August 2022
Many reviewers complained that’s website doesn’t provide much information up front. Multiple users also said they received emails soliciting short-term loans after submitting an application. This isn’t uncommon for a connection service — but it does mean you may want to opt for a direct lender instead.

How do I get started?

Follow these steps to get connected with a lender:
  1. Scroll to the top of this page and click Go to site to be redirected to
  2. Select your requested loan amount and enter your email, then click Get Started.
  3. Select your general credit range and the reason for your loan.
  4. Enter your full name, date of birth and select if you’re active-duty military. Click Continue to Step 2.
  5. Enter your contact information, employment details and bank account information. Click Continue to Step 3.
  6. Enter your bank’s routing number and your bank account number.
  7. Read over the privacy policy, terms of use and e-consent documents. Click Submit Information.

What information do I need to provide?

When you fill out the online form, you’ll need to provide the following information:

  • Driver’s license or state ID number
  • Social Security number
  • Estimated gross monthly income
  • Bank account numbers

What happens after I submit the form?

If is able to connect you with lenders in its network, you can select the one that best suits your needs. will then redirect you to the lender’s website where you can complete a full application.

How do repayments work with

Because isn’t a direct lender, you won’t make any loan payments to it. Read your loan contract or get in touch with your lender for more information on how to make payments.
Not sure is right for you? Compare your other options with our guide to short-term loans.

Frequently asked questions

Short-term loan ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze short-term loan providers and similar services to help you weed out predatory lenders and find a company you can trust. We rate providers on a scale of one to five stars. Our ratings are based on factors that are most important to you, which include: loan amount, application process, fees, customer reviews and borrower experience.
Read the full methodology of how we rate short-term loan providers and similar services.

Your reviews

No reviews yet. Write a review

Ask a question

Ask a question

Aliyyah Finder


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May 10, 2019

Haven’t been contacted about loan, why?



May 11, 2019

Hi Patricia,

Thanks for getting in touch with Finder! The approval process for this lender is typically quick. Once you’ve been connected with a lender, you’ll be able to submit your application and see if you’ve been approved for a short-term loan. If you want to contact the lender, you can go to the part of the page that says “How do I contact if I have a question?” You can find the company contact information there.

As a friendly reminder, review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

Hope this helps!

With care,


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April 08, 2019

I recently was notified of being approved for a high amount loan here in Florida by a company in California. The interest is right and loan using term is 36 months. So also seems right. But when I try to Google this company using their site on their paperwork nothing under their name comes back. What should I do with this?

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Jeni Finder

April 08, 2019

Hi Ray,

Thank you for getting in touch with Finder.

You can also check if the business is registered in SBA, FCA and IRS. If not, you may then send your complaint to this government page.

Our guide on how to avoid a personal loan scam is a good reference to protect yourself from two common scams you might encounter when applying for a personal loan.

I hope this helps.

Thank you and have a wonderful day!



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January 08, 2019

I started my application with Bad Credit Loans, however I don’t want to give out my employer’s phone number. I entered a fictional number. If they want proof of my employment I can email them my last pay stub (scanned).

Some of the questions are very personal, and I am always afraid of scams. Another question they have on the application is about my checking account information. They say it’s for the lenders to know where to deposit the money IF I get approved (very fishy!)

Should I call them directly, instead of finishing the application online?

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Val Finder

January 09, 2019

Hi Jane,

Thank you for reaching out to finder! It seems like you have already selected a lender for this. Online applications are secure so long as you go directly to the site of the lender. If you are half-hearted about completing the application online, then yes you can call them directly instead of placing fictional information that might affect the application.

Hope this helps!



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October 09, 2018

Hi i need a loaf what’s the least credit score you guys approve. And if i get approved how do i pay back in small payments or one full


johnbasanes Finder

October 10, 2018

Hi Leslie,

Thank you for leaving a question.

You may need to directly contact regarding your queries since these are specific to the application process. You can email your questions to or call 1-800-245-5625 for more information. Hope this helps!



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August 09, 2018

I just applied for a loan got approved but noticed that my checking number was wrong. Tried going back to fix now I can’t! What do I do?



August 09, 2018

Hi David,

Thanks for leaving a question on Finder.

Sorry to hear. You can contact directly. Press the “Find out more” button to be redirected to their website. From there, please scroll down at the bottom of the page and you will see “Support”, click on contact us to show their contact info including phone and their email address. They should be able to fix this on their end.



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