How it Works

This is a service whose main purpose is to connect consumers like you to short-term lenders in case of unforeseen financial situations. We can successfully connect most of the people who are applying for a lender who is ready to provide them with the funds they need.

All about short-term loans

Our secure online form submission is fast and free

Our online form takes only about two minutes, is fully protected by first-class security software and is free to fill out. We only ask for the information we need to connect you to the lender on our network, and once you submit this information, it is passed on to our lenders, who can provide you with up to $1,000 in cash in just one business day. In many cases, you will not be asked to fax any documents.

Review offers without obligation

A few minutes after we process your information, you can contact one of our lenders and receive an offer that meets your requirements and your data. You are never obliged to accept any offer, so if the offer you receive is not satisfactory, you can simply reject it and it will cost you nothing.

Receiving money

Once you have received an offer that meets your financial needs, you will review the details of your loan agreement. Your lender will then ask you for an electronic signature to sign the agreement. Once you have completed this step, your lender will usually deposit the amount of the loan you have been approved for into your current account the next business day.

Repay your loan

Some of our lenders can make the loan repayment process incredibly simple. If you choose the direct withdrawal option when you sign the loan agreement, you can make a refund electronically. In most cases, all you will need to do to repay your loan is to ensure that the repayment amount – the loan amount plus all applicable fees and interest – is available for withdrawal on a scheduled date. So you don’t need to send checks or money orders in the mail, and you don’t need to go to sales outlets. This paperless process also helps reduce the likelihood of late payments and can even save you money.

Short-term credit qualifications

Qualification for short-term loans is easier and simpler than for other forms of consumer loans. These are the main qualifications associated with short-term cash loans:

  • You must be at least 18 years old
  • You must by law live and work in the United States
  • You must work with the same employer for at least 90 days
  • You must have a bank account that is not currently written off
  • You must have a valid e-mail address and working telephone number.
  • You must meet the minimum income requirements

Your credit history is not usually a critical issue

Even if’s partner lenders conduct credit checks when necessary, persons with imperfect or no credit can usually apply for loans in any case. Lenders on our network may also perform alternative credit checks with companies such as TeleTrack or DP. These checks help to ensure that you are not bankrupt and that you do not have outstanding loans with other lenders. These checks usually do not affect your credit rating.

Getting the most out of your short-term loans

In order to truly enjoy the benefits of short-term loans, it is important that you repay your loan on time. This will help you avoid potentially high late payment fees and build a better business relationship with the lender of your choice. You should always make sure you have the funds to repay the loan before you ask for a loan, and you should contact your lender immediately to discuss the options available if you are unable to repay the loan on time.

How we can help

We are always ready to answer your questions about this site, our services and short-term loans in general. We are committed to providing you with excellent customer support and will respond to your requests as soon as possible. If you have problems with any particular loan agreement with one of our lenders, please contact that lender directly because we are not authorized to have detailed information about any loan agreement you have entered into.