Triangle Cash is a loan-connection service that connects you with a suitable lender to get approval quickly for loans of up to $1,000.
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.
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Services for payday loans
1. OppLoans
Unlike Triangle Cash, OppLoans is a direct lender that offers loans of $500 to $4,000 to qualifying borrowers. The lender is accredited with the Better Bureau and receives an A+ rating, with largely positive customer 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 Triangle Cash, LendUp is a direct lender that allows people with poor or no credit to get short-term loans when money is tight. This provider offers a unique platform in which you can rebuild your credit history through the Lendup Ladder program, where you earn points as you take out short-term loans and pay them back on-time, take free financial education courses and refer friends to use the lender. As you move up the ladder and earn more points, you’ll be able to take out larger loan amounts at lower rates.
Pros
- Fast application and quick response — you can typically get funding in as little as one business day.
- Bad credit is OK.
- Free online education courses.
- 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.
Cons
- Low maximum loan amount of $250.
- Not licensed in every state. Only available in: California, Louisiana, Mississippi, Missouri, Ohio, South Carolina, Tennessee, Texas and Wisconsin.
- High transaction fees depending on your state.
3. Check Into Cash
Unlike Triangle Cash, 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. It offers payday loans, as well as installment loans, title loans and lines of credit with a quick turnaround, meaning you could have your funds in as little as one business day.
Pros
- Low minimum loan amount of $50.
- Quick turnaround, 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. SWIFT
Like Triangle Cash, SWIFT Money Loans is a loan-connection service that connects you with a suitable lender based on your credit and gets you cash in as little as one business day. If you’re a repeat customer, you can receive up to $1,200 as a payday advance using SWIFT’s service.
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.
5. ACE Cash Express
Unlike Triangle Cash, ACE Cash Express is a direct lender that offers payday loans, title loans and installment loans when you need cash fast. It doesn’t have prepayment fees, which means you can pay your loan off ahead of time without incurring additional charges, and in some states, you may be eligible for a complete or partial refund of applicable loan fees.
Pros
- Over 40 years of experience.
- Instant decision on loan status.
- 72-hour guarantee allows you to pay back loan in 72 hours for no extra money.
- 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.
Cons
- Only available in California, Idaho, Florida, Kansas, Louisiana, Minnesota, Texas and Ohio.
- Costs vary by state.
6. Cash Central
Unlike Triangle Cash, Cash Central is a licensed provider that boasts more than 1 million satisfied clients and quick processing of your payday loan. It allows borrowers to have their loan funds loaded onto a prepaid debit card instead of transferred into a bank account for added convenience.
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.
7. CashNetUSA
Unlike Triangle Cash, CashNetUSA is a direct lender that offers payday loans, installment loans and even lines of credit for when you need money quickly. While maximum loan amounts and APRs will vary by state, they are known to offer a turnaround time of one business day to bad credit borrowers.
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%.
8. CashAdvance.com
Like Triangle Cash, CashAdvance.com is a loan-connection service that connects you with a suitable lender for your financial needs and credit score. If you’re a repeat borrower, you’ll enjoy an expedited application process for any future loans you want to take out.
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.
9. Check City
Unlike Triangle Cash, Check City is a direct lender that offers payday loans and installment loans for people with low credit scores who need money fast. They can get those applying with poor credit a loan in as little as one business day.
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.
10. Spotloan
Unlike Triangle Cash, Spotloan is a direct lender that offers installment loans of $300 to $800 to qualified applicants. It offers variable repayment options, including direct debit from your bank account, a check or a money order.
Pros
- Variable repayment options. 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.
11. Check ‘n’ Go
Unlike Triangle Cash, Check ‘n’ Go is a direct lender that provides short-term loans of $100 to $255 for qualified applicants who need money quickly. While it charges service fees for its loans, this lender is known to offer loans to individuals with bad credit with same-day turnaround.
Pros
- Offers payday loans, installment loans and prepaid debit cards.
- Bad credit is OK.
- Same-day funding for those who qualify.
- 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 $255 only.
- Charges service fees for the loan.
Check into Cash Loans
Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.
- Min. Loan Amount: $50
- Loan Term: Varies by state
- Turnaround Time: 1–2 business days
- Total Costs: Varies depending on the amount and your state of residency.
- Must be 18+
- No security needed
- Confidential and secure!
