Review for 2023

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.

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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

It is important to note that isn’t available to borrowers everywhere. However, you can check out a full list of what states the company is available on their website. If they are available in your state, you can also find out the maximum loan amount available.

One of the benefits of taking out a loan through is how quick and easy the application is. It only takes about five minutes to fill out the online loan request form.

You’ll go to the company’s website and fill out your name, desired loan amount, zip code, and email address. From there, will match you with lenders who can offer you short-term loans. You can then choose the terms and conditions that are the best fit for your situation.

You should pay close attention to the annual percentage rate (APR) and any additional finance charges. The APR is the amount of interest you can expect to pay every month. The finance charges are additional fees the lender tacks on as payment for receiving the funds.

Once You’re Approved

Once you’ve been approved for a cash advance or short-term loan, you’ll receive the funds as soon as the next business day. From there, you’ll begin making monthly repayments.

The repayments will occur as automatic monthly deductions from your checking account. This will most likely be the same account where the money was originally deposited.

If you’re unable to make your scheduled payment, you can contact your lender to ask for an extension. But your lender doesn’t have to approve you for an extension. This will depend on various factors, such as lender preferences 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

One of the best ways to research online lenders is by reading online reviews. You can discover what actual customers are saying about them before you choose to do business with them. 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?

No, it isn’t a scam. The company has been in business for a long time and seems to be trustworthy. They are a registered member of the Online Lenders Alliance (OLA). However, some of their lending partners engage in practices that some might consider predatory.

These lenders offer high-interest loans to consumers who find themselves in difficult financial situations. If you choose to take out a cash advance through, you may pay two to three times as much as your original loan amount.

Is taking out a payday loan a good idea?

Most experts would agree that payday loans are never a good idea because you’ll end up paying so much more money in interest. And many consumers fall into a cycle of debt where they’re constantly relying on payday loans to get through to the next paycheck.

According to Pew Charitable Trusts, roughly 12 million Americans take out payday loans each year and pay nearly $9 billion in loan fees. The average borrower will pay $550 in fees just to borrow $375. Most of these individuals have a hard time meeting their financial obligations every month.

But if used as a temporary, one-time solution, payday loans can work. Just make sure you consider all your options first. For example, installment loans tend to have lower lowest APRs. Know what your interest rate is and how much you can expect to pay in fees. You can also consider alternatives, like CashUSA.

And most importantly, once you’ve paid off the loan, take the steps needed to improve your financial situation. Set aside a little money every month in an emergency fund, so you don’t find yourself in this situation again.

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