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How It Works

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Find out more about short term loans here. We'll explain what they are, how to qualify, and how the sign-up process works.

Short Term Loans Explained

Short term loans are relatively small loans that are secured against your next paycheck. They are intended to cover urgent expenses that spring up when you are short on cash between paydays. Short term loans can help you cover medical bills, overdue credit card bills, emergency car repairs, and whatever other pressing expenses you have. Short term loans are faster and more accessible than other, traditional types of credit and loans for several reasons. For one, most lenders allow you to apply for them entirely online, which greatly expedites the process. Secondly, short term loans are more accessible because they are secured against your paycheck, which allows almost anyone with a job and a bank account to qualify (will vary by lender). For more information, please visit our what short term loans can do for you page.

Qualifying for Short Term Loans

The qualification requirements for short term loans will vary by lender. In general, though, most of our lenders require the following:

  • At least 18 years old
  • Employed
  • Making at least $1,000 per month
  • Have an active checking/savings account with direct deposit feature
  • U.S. citizen

Signing Up for Short Term Loans

You can sign up to be matched with a lender of short term loans on our site in a matter of minutes. Just follow these simple steps:

  1. Fill out our short, online form. The first step to getting short term loans is to fill out our brief, online sign-up form. We will ask you for some basic contact information, and the form should not take more than a few minutes to complete.
  2. We match you with a short term loans lender. We will then match you with a lender of short term loans that can meet your needs. You can get more information on short term loans at this point and ask any questions you may have.
  3. You can apply for short term loans with that lender. If you so choose, you can then apply for short term loans on the lender's website. Most lenders offer online application processes, so you can apply in just a few minutes in most cases.