payday loans review February 2019 | short-term loans review

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Get a short term loan of up to $1,000 that you repay on your next payday

Getting out of a financial tight spot can be difficult. When you have bad credit, need a loan fast and your other options have fallen through, a short term loan may be the solution you need. is a loan-connection service that works by pairing your short term loan application with suitable lenders in their network. You can get a payday loan from $100 to $1,000 through your application, but the maximum you can borrow depends on state laws and the lender’s policies.

Applying for these short term loans is simple, and you can get access to approved funds as soon as the next business day. You have to repay the loan by your next payday, but certain lenders offer extensions for an additional fee.

Although a short term loan can get your through a financial emergency, it is important to remember that short term loans come with exceptionally high finance charges. If you don’t think you can repay a loan within a few weeks, it’s best not to borrow money in the first place. A late or missed payment can lead to additional fees, interest rates and could negatively impact your credit.

Product Payday Loan
Min Loan Amount$100
Max. Loan Amount$1,000
Loan SecurityUnsecured
Turnaround TimeAs soon as the following business day
CostsRates and fees are determined by the lender who approves you.
RequirementsYou must be at least 18+, have a regular income and have an active open bank account.


  • Quick and simple process.
  • Borrow up to 1000.
  • Apply even with poor credit.


  • Service is a lending broker.
  • Can be expensive to borrow small amounts of money
  • Fees vary by the lender you ultimately apply with.
  • You must be at least 18 years of age
  • Have a regular source of income
  • You must have an active open bank account

How the process works

You begin by completing an online application on, even if you have a low credit score. If you meet the eligibility criteria, looks for a suitable short term lender who who contacts you to take the process further.

Upon the application’s approval, the lender provides you with a loan offer document that states all of the terms of the loan. Carefully review this document before accepting so that you know exactly how much you will be paying and when the repayment is due. If you aren’t comfortable with the terms presented, you are under no obligation to accept the loan.

After you accept the contract, the lender transfers the money into your bank account electronically as quickly as the next business day. Your repayment is usually due by your next payday. The lender may request an automatic transfer of funds from your bank account on the given date.

How do loans compare with other loans?

Check the websites of any providers you’re interested in to confirm they operate in your state of residence.

Rates last updated February 23rd, 2019
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Term of Loan Turnaround Time Max. Loan Amount
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
9 to 36 months
1 business day
Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
4–30 months, varies by state
1–2 days
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
1 business day
Varies by state
LendYou Short-term Loans
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
1 business day
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
90 days to 72 months
As early as 1 business day
ACE Cash Express Short-term Loans
Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
Varies by state
Generally receive the money the next business day
Varies by state
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for your state.
7–30 days
generally receive the money the next business day

Compare up to 4 providers

What features come with a short term loan from

Applying for a short term loan through comes with a number of benefits.

  • Multiple lenders. When you submit your application, goes through the details you provide and looks for a short term lender for you.
  • Quick process. The application process takes no more than a few minutes, and you find out if you’ve been approved shortly after. No matter which lender in the network you end up borrowing from, the approved funds will be transferred to your bank account as soon as the next business day.
  • Use funds in various ways. There are no restrictions on how you can use the money from this loan as long as you use the money for legitimate purposes.
  • Bad credit is OK. Most short term lenders don’t conduct traditional credit checks so you don’t have to have a perfect credit history to apply for a short term loan. All that matters is your ability to repay the loan.

The costs to consider

Just how much you end up paying in terms of fees and charges depends on the state you live in, the lender that provides you with the loan and whether or not you repay it on time. If you don’t repay the loan on the due date, the lender can charge you late payment fees. If you choose to extend the loan, you will also incur additional fees.

You get to review all applicable fees and charges as part of the loan contract that the lender provides after your application’s approval. Going through these ahead of time ensures that you are fully aware of all the costs.

Explore short term loans through

Rates last updated February 23rd, 2019
Name Product Max. Loan Amount Term of Loan Turnaround Time Costs Personal Loan
24-84 months
As soon as tomorrow
APR ranges from 4.99-35.99% based on your credit score. Installment Loans
As soon as the following business day
APR ranges from 25-450% based on your credit score. Payday Loan
As soon as the following business day
Rates and fees are determined by the lender who approves you.

Compare up to 4 providers

How to apply for a loan from

Applicants will need to meet some basic qualifications:

  • You are at least 18 years old (varies by state)
  • You are an American citizen or a permanent resident of the US
  • You have a steady source of income
  • You have an operational checking or savings account

Applying also requires you to provide some basic information.

  • Your name, home address, email address and phone number
  • Your date of birth, Social Security number and state-issued ID
  • Your employer’s name, address and phone number
  • Details about your income
  • Details about your bank account

Frequently asked questions

Are payday loans available in my state?

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2 Responses

  1. Default Gravatar
    JackieMay 22, 2017

    Are there any payday loan providers in the state of New Jersey?

    • finder Customer Care
      HaroldJune 25, 2017Staff

      Hi Jackie,

      Thank you for your inquiry.

      Yes there are lenders where you can choose from in New Jersey. You may be interested with the list of offers here.

      I hope this information has helped.


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