Welcome. We compare the best lenders in U.S. Our goal: You getting approved for a loan in a quick way.

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Frequently Asked Questions

Top Lenders US - Best Short Term Loans (2018)

Your state:
Lender Amount Cost States Features
HonestLoans HonestLoans $200
Up to $2,500
$30 - $60
$45 - $90
$75 - $150
Up to $750
43 Bad Credit allowed
High approval rates
Soft credit check
Same-day deposit in some cases
Time to decision: 2 min
Type of service
CashUSA CashUSA $500
Up to $10,000
Individual rates
49 Bad Credit allowed
High approval rates
Short installment loans
Soft credit check
Same-day deposit in some cases
Time to decision: 2 min
Type of service
Check Into Cash Check Into Cash $100
Up to $1,000
Individual rates 25 Bad Credit allowed
Medium approval rates
Soft credit check
Next-day Deposit
Time to decision: 2 min
Direct Lender
First loan: Max $750

Best Personal Loans (2018)

Lender Amount Repayment Terms States Features
Up to $35,000
3 mth to 6 yr 50 Bad Credit allowed
High approval rates
Soft credit check
Repayment: 3 mth to 6 yr

Next-day Deposit
Type of service
Up to $5,000
Up to 1 yr 45 Bad Credit allowed
High approval rates
Repayment: Up to 1 yr

Next-day Deposit
Type of service
Up to $40,000
2 mth to 7 yr 50 Bad Credit allowed
Medium approval rates
Credit check
Repayment: 2 mth to 7 yr

Next-day Deposit
Type of service

States: Number of states the lender or loan connectors provide loans in.

Applies to all payday loans:
- All costs are based on a 14 days time frame.
- Amounts and costs might vary for different states.
- Amounts are based on your first loan.

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Use our contact form, if you have any questions.

Payday Loans: An Introduction

With the current shaky economic climate and the clampdown on credit, many people are turning to payday loans as a means of obtaining short term loans to tide them over between paychecks.

Requirements in short

  • At least 18 years of age.
  • After tax income of $1,000 per month or more.
  • Valid checking account.

This applies for both payday loans and personal loans. According to our research the best chance for an approved loan is when the applicant is of 20 years of age and over, and has between $1,500 and $2,000 of income per month.

Helping in Minor Financial Emergencies

A payday loan is a short term loan that basically acts as an advance against future earnings. A payday loan is designed to help you out between paydays. Even though you are working, you may encounter an unexpected financial crisis that needs to be taken care of immediately, though it is still a matter of a few days or weeks until your next paycheck.

When you have to pay urgent expenses like rent or repairs on your vehicle, you may be stuck unless you can get hold of emergency funds in a hurry. If your expenses can’t wait until your next payday, a payday loan may bridge the gap. Payday loans are especially useful if you are unable to get credit.

Advantages of Payday Loans

Payday loans offer the following advantages:

  • No or soft credit check necessary only from major credit bureaus.
  • You avoid charges for interest, credit cards, bank overdrafts and NSF checks.
  • Repayment terms are easy.
  • Payday loans are quick and simple to secure.

The interest charges and fees involved in taking a payday loan have caused some negative comments. However, payday loan fees can amount to much less than the charges you might otherwise pay – for instance, for bouncing a check, overdrawing your bank account or charging over your limit on your credit card. Payday loans have a huge advantage as well: they protect your credit rating by enabling you to pay your bills on time.

Payday Loan Rules & Policies

Even though online payday loan websites have become the most common source of payday loans, you can still find payday loan stores in many parts of the US these days. To be eligible for a payday loan from most lenders, you will need to be 18 years of age or older, with a full time job and an active bank account.

Completing a payday loan application on the Internet is quick and simple. Once your payday loan has been secured, the money can be transferred into your bank account fast, usually within a matter of hours.

Different payday lenders have different policies as to the amount they will lend you and the length of the repayment period. Usually payday loans are between $100 and $1000, and must be repaid in 14 to 30 days.

Fees and interest rates

There are also a variety of different fees and interest rates at the various payday loan companies, usually depending on the amount and the time period of the loan. It is worthwhile to look around and compare terms and charges at a number of payday lenders, to make sure you are getting a good deal. Check out the credentials of the payday loan company itself, to make sure it is a reputable one.

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The links on this page may be affiliate links for which we will be compensated, but all opinions are our own.


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