Review for 2024

Financial emergencies happen to the best of us. And if you don’t have the money to take care of it, this can cause additional stress and worry.

This is the type of situation helps consumers avoid. You can apply for a short-term loan on the company’s online loan marketplace. They then match you with nearby third-party lenders who can help even if you have a bad credit score.

But is the platform legitimate, or should you look elsewhere for your lending needs? This review will explain how the lending process works and when it might be the right choice. Short-Term Loans, not to be confused with Cash Advance USA, has been in the lending business since 1997. The company provides an online lending network that lets consumers apply for and receive cash advances and payday loans. The service is available even for borrowers with bad credit.

When you apply for a cash advance online through, you gain access to a large network of lenders. After you apply, you’re matched with partner lenders who will send you details about the loan terms and conditions.

From there, you can choose the lender you want to work with. The cash advance loans range from $100 to $1,000, and the process only takes about five minutes to complete. If you’re approved for a cash advance, you can receive the funds as soon as the next business day.

To avoid scams or fraudulent activity, only works with the best lenders in the industry. In addition, the company is a member of the Online Lenders Alliance, a national network that promises to promote best practices in the lending industry.

Get started with on’s secure website

Borrower Profile

To apply for a cash advance from, you need to be a U.S. citizen and at least 18-years-old. But keep in mind, this is just the bare minimum needed to apply. It doesn’t guarantee you’ll be matched with a lender.

You’ll need to have a bank account since will transfer the funds to your bank. There is no minimum credit score required, but there are the other requirements for applying with

  • You need to have been employed for at least 90 days
  • Earn at least $1,000 per month
  • Be able to verify your employment
  • You must have a valid home and work address
  • You need to have a valid email address

You’ll also need to provide your address, phone number, ID number, Social Security number, and date of birth. If you meet these requirements, you can fill out the online form and begin the application process. Application Process is not available to borrowers everywhere. However, you can easily find out if they operate in your state by visiting their website and checking the full list of states they serve. And if you’re eligible for their services, you can also discover the maximum loan amount they offer.

One of the major benefits of using is the simplicity of their loan application process. It takes about five minutes to complete the online form. You’ll need to input basic information such as your name, desired loan amount, zip code, and email address on their website.

After submitting your loan request, will connect you with short-term loan lenders who can provide the funds you need. You’ll then have the flexibility to choose the terms and conditions that fit your specific situation and financial goals.

Pay close attention to the annual percentage rate (APR) and any additional finance charges before agreeing to the loan terms. The APR represents the amount of interest you’ll be paying each month, while finance charges are additional fees that lenders charge to receive the funds.

Once You’re Approved

After your cash advance or short-term loan has been approved, the funds will typically be available to you as soon as the next business day. At that point, you’ll begin making regular monthly payments.

These payments will be automatically deducted from your checking account, which is likely the same account where the funds were initially deposited. However, if you’re unable to make a scheduled payment, you can contact your lender to request an extension.

Keep in mind, though, that the lender is not obligated to grant your request for an extension. Approval will depend on a variety of factors, such as the lender’s policies and individual state laws.

Get started with on’s secure website Special Features will likely match you with multiple lenders, and you get to choose the loan term that works best for you. But if you complete the loan application and decide that none of the options are right for you, you aren’t required to proceed.

The company’s website is very user-friendly, and the application process is simple to complete. And once you’re approved, you can receive the funds quickly. This is a good deal for someone who finds themselves in a tight spot financially.

And best of all, they offer options even to borrowers with low credit scores. Of course, you will end up paying much more in interest but depending on your situation, it could be worth it to you. Reviews

When considering a loan or cash advance through, it’s always a good idea to read reviews from other customers to get a sense of their experiences. The company has numerous reviews available online, with many customers praising the ease of the application process and the speed with which they received their funds. However, there are also some negative reviews that mention high interest rates and difficulty with repayment. currently has a Better Business Bureau (BBB) rating of B-, which indicates good customer service. They also have very few complaints. You can find more reviews at other review sites as well.

What You Should Know Before Getting a Loan from

Taking out a short-term loan isn’t a decision you should rush into since it can have real consequences on your financial future. Here are a few things you should consider before applying for a cash advance with

Is a scam?

While some may have doubts about, it is important to note that the company has been established for a long time and is considered trustworthy. As a registered member of the Online Lenders Alliance (OLA), they uphold ethical lending practices.

However, some of their lending partners may have policies that some might find predatory. These lenders provide high-interest loans to consumers in need of urgent financial assistance. If you decide to take out a cash advance via, be aware that the high-interest rates may result in repayment amounts that are two to three times the initial loan amount.

Is taking out a payday loan a good idea?

Experts generally agree that payday loans are not a wise choice because of the high interest rates, which can lead consumers into a debt cycle. Pew Charitable Trusts data shows that 12 million Americans take out payday loans annually and pay nearly $9 billion in loan fees.

The average borrower spends $550 in fees to borrow $375. Most people find it challenging to fulfill their financial obligations each month. Nonetheless, if used as a temporary and one-time solution, payday loans can be effective.

Before taking out a loan, explore all of your options, such as installment loans with lower APRs or alternatives like CashUSA, and know the interest rates and fees. After paying off the loan, prioritize improving your financial situation by saving a little money each month in an emergency fund.

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