How It Works

Life is full of unexpected events and surprises, and more often than not, these come with at least some form of financial burden. When there is not enough cash to go around, waiting can be impossible. exists to pair you with lenders who can get you the money you need through a short-term loan, even if you have bad credit or no credit at all.

Understanding Short Term Loans

Fast, Easy and Secure Online Form

Our loan request form is easy to complete and only takes about two minutes. We will only ask you for the information that is necessary to provide you with the short-term loan. Once you have submitted your information, we will see if there is a lender for you. These lenders can offer you up to $1000 as soon as the next business day, often without requiring to fax a single document. We also make use of 256-bit SSL technology to encrypt your data, providing you with a secure connection as you navigate through our website.

Short Term Loan Offers with No Obligation

Minutes after you submit your information, you will receive a decision. If you are connected with a lender, you decide if you like the offer or not, you are under no obligation to accept it - simply move on to the next.

Get Your Money

Once you have accepted the lender’s offer, you will enter a contract with that lender and will be required to provide an electronic signature. While most loans are deposited into your bank account on the next business day, some lenders can get you your money sooner.


In most cases, the amount borrowed, any applicable fees and interest will be withdrawn from your bank account on a predetermined date. This eliminates the headache of visiting a location or mailing a check or money order. It also negates the possibility that you will be required to pay late fees. If for any reason you are unable to repay your loan on this date, you can contact your lender to ask about extensions or loan rollovers. Make sure you do so before the due date. Any adjustments to your current loan conditions will have additional charges.

Do I Qualify for a Loan?

The process associated with qualifying for a short-term loan is much simpler than the one associated with applying for more traditional forms of credit. There are only a few criteria that borrowers must meet:

  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.

All Types of Credit Considered

Unlike bank loans and credit card applications, the independent, participating lenders that you might be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. Lenders we work with are dedicated to helping you get the funds you need as quickly as possible.

Benefits of Short-Term Loans

In order to enjoy all the benefits of a short-term loan, it is important to repay your loan on time. This allows you to develop a positive business relationship with your chosen lender. Before you request a loan through, it is important to ensure that you will have the funds available to repay the loan in the specified time frame. You should also contact your lender immediately if a situation arises that may cause you to repay your loan late. This will allow you to negotiate new terms with your lender and may save you money.

We Can Help

Should you have any general questions about short-term loans or about our website, please do not hesitate to contact us. We pride ourselves in providing top-notch customer service and will respond as quickly as possible.

Get Started

We are confident that our friendly and knowledgeable customer service staff, secure website, and lightening-fast response time, will leave you highly satisfied with your experience at