Editor's choice: OppLoans Installment Loans
- Easy online application
- Quick approval
- Fast funding
- Long repayment terms
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Swift is a short-term loan connection service run by the Habematolel Pomo of Upper Lake. This means that you may have access to both US-based lenders and tribal lenders, expanding your options to borrow. However, you’re not guaranteed to be connected, and even if you are, you might find that the fees you have to pay far exceed what you can afford.
OppLoans is a direct lender that offers loans between $500 to $5,000. It’s accredited by the Better Business Bureau (BBB) and has an A+ rating, with mainly positive reviews praising its customer service and large loan amounts.
But while its APR can be lower than many short-term lenders, it’s still quite high when compared to personal loans.
LendUp is a direct lender with a unique borrowing platform that helps borrowers rebuild their credit as they move up the LendUp Ladder. You can earn points by making on-time repayments, referring friends and taking free financial education courses. And as you move up the LendUp Ladder, you’ll qualify for longer loan terms at a lower rate.
However, it’s only available in a limited number of states. And unlike many of the providers on this list, the maximum amount you can borrow may not be able to cover a larger expense.
Check Into Cash is a direct lender that features a low minimum loan and fast turnaround so you can borrow the amount you need — without having to shell out extra money towards interest for larger loans. And unlike many of the providers on this list, you can visit a Check Into Cash store for an added personal touch.
ACE Cash Express is a direct lender that offers payday loans, title loans and installment loans to borrowers in 11 states. It has a 72-hour guarantee, which allows you to return your loan within 72 hours if you decide not to borrow. However, not all of its products are available in every states, and you’ll still face the same high interest rates that you would with other short-term loans.
Cash Central is a licensed provider that boasts more than one million satisfied borrowers and a quick application process. And if you need to borrow a large amount, no worries: Cash Central offers installment loans and lines of credit up to $5,000. You can also receive your loan funds onto a prepaid debit card, making it easy to use the amount you’ve borrowed.
However, not everyone will qualify for such a large loan, and you may have to pay multiple fees that can quickly double or even triple the cost of your loan.
CashNetUSA is a direct lender that offers payday loans, installment loans and even lines of credit. Its products are available in more states than not, and you can look forward to fast turnaround times and funds disbursed in as little as one business day.
But not every type of loan is available in every state. You may not have access to the loan you want where you live, and you’ll have to do some digging to find out exactly how much you can borrow and the other terms of your loan.
Like Swift, CashAdvance.com is a short-term loan connection service that connects you with a suitable lender for your financial needs and credit score. It has a fast turnaround time of one to two business days and also offers an expedited application process for returning customers.
However, you’ll have to be employed. And like Swift Money Loans, you aren’t guaranteed to be connected to a lender — or find an option that fits your budget.
Check City is a direct lender that provides payday loans and installment loans for people with low credit scores. It’s accredited by the Better Business Bureau (BBB) and has an A+ rating. Check City is also a member of the Community Financial Services Association of America (CFSA) and the Utah Consumer Lending Association (UCLA), which have standards set to help borrowers get a fair deal.
Spotloan offers installment loans of $300 to $800 to qualified borrowers. These loans are available in all but seven states, and Spotloan offers variable repayment plans, including: direct debits from a bank account, checks or money orders.
However, it still has high APRs, and its loan range isn’t anything to write home about, If you need to borrow more — or less — you may be better off by finding a lender through Swift.
Check ‘n’ Go is a direct lender that provides short-term loans of $100 to $1,500 for qualified borrowers. While it charges service fees for its loans, you may qualify for same-day funding — which isn’t an option many other lenders offer.
Like SWIFT Money Loans, Triangle Cash is a short-term loan connection service. The lenders in its network offer loans up to $1,000, and it has options available in all but five states. In addition, many of its lenders are known for quick approval.
However, like Swift and other connection services, you won’t know your terms until you’re connected with a lender — if you are at all. Carefully review your loan contract and make sure you can afford a short-term loan before you sign.
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