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Frequently Asked Questions

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Last Name:
I have a regular source of income.
I receive at least $1000/month.
I have a bank account.
I have read and agree to the Terms & Conditions of this website.

Here are the answers to the most commonly asked questions about short term loans.

What are short term loans?

Short term loans are relatively small loans given over a limited period of time to help you pay for emergency expenses between paydays. Short term loans are secured against your next paycheck, which makes them easier to qualify for than other loans. Short term loans are a quick and convenient way to come up with fast cash before your paycheck arrives. However, to prevent abuse of short term loans, please examine our budgeting basics page.

How do I sign up for short term loans?

You can sign up to be matched with a lender that provides short term loans by filling out our short, online form. The form is free, comes with no obligation, and can be completed in a matter of minutes. After we have some basic contact information from you, we will match you with a short term loans lender. You can then find out more about short term loans and ask the lender any questions you may have. If you wish, you can also then apply for short term loans on the lender's website.

What are the qualification requirements for short term loans?

The qualification requirements for short term loans will vary from lender to lender. In general, though, our lenders usually require that you be at least 18 years old, a U.S. citizen, employed, earning at least $1,000 per month, and have an active checking or savings account with a direct deposit feature.

How quickly can I get short term loans?

How quickly you can get short term loans will vary by lender. Many of our lenders are able to get your loan to you by the next business day. If you apply during regular business hours, you could have your loan as soon as the morning after you apply (depending on your lender).

When will I have to repay my loan?

The due dates for short term loans are included in your consumer loan agreement that your lender will provide. For the most part, your lender will try to time your due date with your next payday for your convenience. This will depend on your lender's policies, however.

Where can I find the interest rate of my loan?

By law, the interest rate of short term loans must be displayed in bold on your consumer loan agreement. The number will be displayed as the APR, or annual percentage rate. If you have any questions about this number, you can always ask your lender before you sign your loan agreement.