payday loans review May 2019 | short-term loans review

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What happens when I click Go to site?
  • Clicking Go to site will take you to your Online Application on the product issuer's website. You do not need to be an existing customer of this provider to apply.
  • Your application will typically take you no more than 10-15 minutes to complete.
  • Conditional approval will typically happen within 1 business day after submitting your application. In many cases, you will have your funds within a week.
Click here to start your application >>

You may be eligible for a short-term loan of up to $1,000. is a connection service that works by pairing your short-term loan application with lenders in its network. But rates can be high, and you may not be approved for the amount you need.

Product Payday Loan
Min. Loan Amount$100
Max. Loan Amount$1,000
Loan TermVaries
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.
Go to's website
  • 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.

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Updated May 25th, 2019
Name Product Filter Values Max. Loan Amount Turnaround Time Requirements
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.
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
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.
Varies by state
1 business day
Regular source of income, bank account, US citizen or permanent resident, ages 18+
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
As soon as the next business day
Checking account with ACH, proof of income, Social Security number, ages 18+
Get rewarded for making on-time repayments with better rates and terms on future loans.
Varies by state
1 business day
Steady source of income, checking or savings account, not currently in bankruptcy, ages 18+
Its satisfaction guarantee means you can return the full loan amount within 72 hours if you change your mind.
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.

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.

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?

    • Avatarfinder 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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