This loan-connection service could find you a suitable lender within one business day, but you have other options.
Pros
- Easy application, completed in less than five minutes.
- No fees for lender-connection service.
- Access to multiple lenders so you get connected with the best one for your finances.
- Bigger advances for returning borrowers.
- Turnaround time in as little as one business day.
Cons
- Terms and APR vary by lender.
- Some lenders require a credit check.
- Other fees vary by lender.
Looking for a provider with terms and rates more suited to you?
Services for short-term loans
1. OppLoans
Unlike SWIFT Money Loans, OppLoans is a direct lender that offers loans of $500 to $5,000 to qualifying borrowers. 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.
Pros
- Options include installment loans, title loans and personal loans.
- Wide range of payback terms — from 9 months to 36 months, with no prepayment penalties.
- Get funds in as little as one business day.
Cons
- High interest rates starting from 99%–199%%.
- Limited availability by state. Only offered in: Alabama, California, Delaware, Georgia, Idaho, Illinois, Kansas, Mississippi, Missouri, Nevada, New Mexico, Ohio, South Carolina, Tennessee, Texas, Utah, Virginia and Wisconsin.
2. LendUp
Unlike SWIFT Money Loans, LendUp is a direct lender that allows people with poor or no credit to get short-term loans when money is tight. It has a unique borrowing platform that helps you rebuild your credit as you move up the LendUp Ladder by earning points through making on-time repayments, referring friends to the service and taking free financial education courses. As you earn points, you’ll move up the LendUp Ladder, which means you’ll qualify for longer loan terms at a lower rate.
Pros
- Quick turnaround on your application, and can typically get funding in one business day.
- Low minimum loan amount of $100.
- Depending on your state of residency, you may be able to participate in the LendUp Ladder program which allows eligible borrowers to apply for larger loans at lower rates.
- Bad credit is OK.
- Free online education courses.
Cons
- Low maximum loan amount of $250.
- Not licensed in every state. Only available in: California, Louisiana, Mississippi, Missouri, South Carolina, Tennessee, Texas and Wisconsin.
- High transaction fees depending on your state.
3. Check Into Cash
Unlike SWIFT Money Loans, Check Into Cash is a direct lender that features a low minimum loan and fast turnaround so you can take out only the amount you need. Their quick turnaround means that you could have the money in your hands as soon as the next business day.
Pros
- Low minimum loan amount of $50.
- Quick turnaround, with money deposited next business day.
- Bad credit is OK.
- It’s available in more states than not. Check Into Cash is not available in: Arizona, Arkansas, Connecticut, DC, Georgia, Maine, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Pennsylvania, Rhode Island, South Dakota, Vermont or West Virginia.
Cons
- APR can be more than 153.73% depending on your state.
- Steep late fees.
4. ACE Cash Express
Unlike SWIFT Money Loans, ACE Cash Express is a direct lender that offers payday loans, title loans and installment loans when you need cash fast. They don’t have prepayment fees, which means you can pay off your loan ahead of time without incurring charges. Plus, in some states you may even be eligible for a complete or partial refund of applicable loan fees.
Pros
- Over 40 years of experience.
- Instant decision on loan status.
- You can pay your loan off ahead of time without any prepayment fees, and in some states, you may be eligible for a complete or partial refund of applicable loan fees.
- 72-hour guarantee allows you to pay back loan in 72 hours for no extra money.
Cons
- Only available in California, Idaho, Florida, Kansas, Louisiana, Minnesota, Texas and Ohio.
- Costs vary by state.
5. Cash Central
Unlike SWIFT Money Loans, Cash Central is a licensed provider that boasts more than 1 million satisfied clients and quick processing of your payday loan. Once you’ve been funded once for a loan by SWIFT, you can look forward to instant funding with applications you submit in the future.
Pros
- Quick online application process.
- Easy for repeat borrowing.
- Loans available in most states, including: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Kansas, Louisiana, Minnesota, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin and Wyoming
- Loans disbursed within one to two business days.
- Can get loan funds on prepaid debit card.
Cons
- Maximum amount varies by state.
- High late fees.
6. CashNetUSA
Unlike SWIFT Money Loans, CashNetUSA is a direct lender that offers payday loans, installment loans and even lines of credit for when you need money quickly. They offer loans in more states than not, and you can look forward to fast turnaround times, with funds disbursed in as little as one business day.
Pros
- Offers payday loans, installment loans and lines of credit.
- Maximum loan of Varies by state.
- Turnaround time of one business day.
- Offers loans in more states than not. Unavailable in: Arizona, Arkansas, Colorado, Connecticut, District of Columbia, Georgia, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, South Dakota, Vermont and West Virginia.
- Bad credit is OK.
Cons
- APR varies starting from Varies by state%.
7. CashAdvance.com
Like SWIFT Money Loans, CashAdvance.com is a loan-connection service that connects you with a suitable lender for your financial needs and credit score. With a fast turnaround time of one to two business days, they also offer an expedited application process for returning customers.
Pros
- Offers cash loans.
- Loan term of up to 1 months.
- Turnaround time of one to two business days.
- Offers loans in most states, except: Maine, Vermont, Massachusetts, Connecticut, New York, Pennsylvania, New Jersey, Delaware, Maryland, West Virginia, North Carolina, Georgia, Arkansas and Arizona.
- Expedited application process for repeat customers.
Cons
- APR varies starting from 15%–1,564%%.
- Fees vary by lender.
8. Check City
Unlike SWIFT Money Loans, Check City is a direct lender that provides payday loans and installment loans for people with low credit scores who need money fast. This lender is accredited by the Better Business Bureau 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 guarantees you’ll be treated fairly when you apply for loans.
Pros
- Payday and installment loan options.
- Loans available for those with poor credit.
- Money available in one business day.
- Responsible lender. Accredited by the BBB with an A+ rating, and member of the CFSA and UCLA.
Cons
- APR varies starting from 141.44%.
- Only available in 17 states: Alabama, Alaska, California, Hawaii, Idaho, Illinois, Kansas, Missouri, Nevada, New Mexico, North Dakota, Texas, Utah, Virginia, Washington, Wisconsin and Wyoming.
9. Spotloan
Unlike SWIFT Money Loans, Spotloan offers installment loans of $300 to $800 to qualified applicants. These loans are available in all but seven states, and offer variable repayment plans including direct debit from your bank, a check or a money order.
Pros
- Variable repayment plans. You can make repayments via direct debit from your bank, a check or a money order.
- Easy online application.
- Money available the next day if you apply by 8 p.m. Eastern time.
- Available in most states, except: Arkansas, DC, Minnesota, New York, North Dakota, Pennsylvania and West Virginia.
Cons
- Offers loans from $300 to $800 only.
- APR and fees depend on the terms you qualify for.
10. Check ‘n’ Go
Unlike SWIFT Money Loans, Check ‘n’ Go is a direct lender that provides short-term loans of $100 to $1,500 for qualified applicants who need money quickly. While it charges service fees for its loans, a plus is that it offers same-day funding for those who qualify.
Pros
- Offers payday loans, installment loans and prepaid debit cards.
- Same-day funding for those who qualify.
- Bad credit is OK.
- Available in more states than not. Unavailable in: Alaska, Arizona, Arkansas, Colorado, Connecticut, Georgia, Louisiana, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, North Carolina, Oregon, Pennsylvania, South Carolina, South Dakota, Vermont, Virginia, Washington and West Virginia.
Cons
- Offers loans from $100 to $1,500 only.
- Charges service fees for the loan.
11. Triangle Cash
Like SWIFT Money Loans, Triangle Cash is a lender-connection service. It uses cutting-edge technology to connect you with the right lender and get approval quickly for loans of up to $1,000. This service is available in all but five states, and is known for their high approval rates for individuals looking to take out a short-term loan.
Pros
- Instant approval, with high approval rates.
- Funding in less than one day in most cases.
- Available in most states, except: Arkansas, Connecticut, New York, Vermont and West Virginia
Cons
- APR varies by lender and state.
- Loan amounts vary by lender.
OppLoans Installment Loans
- Easy online application
- Quick approval
- Fast funding
- Long repayment terms
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
- Minimum loan amount: $500
- Maximum loan amount: $5,000
- Turnaround time: 1 business day
- Loan term: 9 to 36 months
- Must have direct deposit and meet minimum income requirements
