How It Works is a connecting service that helps consumers get in touch with hundreds of direct lenders from their area. As we partner with these companies, we don’t charge a single fee from borrowers who need money ASAP. Short-term loans are available for consumers with all credit scores because there are no hard credit checks. This opportunity is the best solution for those who must pay for their financial needs like unexpected car repairs or medical bills.

Short Term Loans – The Working Process

Easy & hassle-free application form

If one lender approves your request, it is time to sign the loan contract. But first, read it attentively and see if the interest rates and other charges suit you. As everything is OK, sign the agreement after you read it. You can make it digitally without worrying about security. Because in the era of informational technology, online contract signing is made in 100% safety. The most significant benefit: paperless process and hassle-free borrowing.

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Receiving the instant approval decision

As soon as you have completed the loan agreement and submitted it, we send it to our direct lending partners. It may take up to several minutes until you’ll receive an almost instant approval decision. You don’t have to wait days or even weeks to get an answer from a lender. It is an excellent opportunity to avoid unpleasant situations when having to spend time in uncertainty.

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Signing the loan agreement

The loan request form that you fill in is protected by top-notch security software. It takes up to 60 seconds to provide the personal information and submit it. There is no faxing, no phone calls, and no third parties involved in the borrowing process. We value your time and your data. That is why we made efforts to ensure you the most straightforward application process. Just give us a try!

Funding the loan amount

After both parties sign the loan agreement, the lender will fund the loan amount to your bank account on the next business day. But here is the good news: if you apply before 11.30 AM, you might get the funding by the end of the same day. And if you apply in the afternoon, the loan provider will transfer the money after 24 hours. However, the cooling-off period depends on the lender and state. That is why we recommend borrowers get all the needed information from the lender that approved their loan.

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Easy repayment process

Thanks to all the payment processes done online, it is much easier to repay the loans you borrowed. How did it come? Easy as to say “Hello!”. When your next paycheck reaches your bank account, the lender just withdraws the loan amount along with interest rates and any loan charges. What are the advantages of this repayment process? You avoid any checks, money orders, or late payments and visits to the lending store.

What Do You Need to Apply for a Short-Term Loan?

To be eligible for short-term online loans, you must meet the basic qualifications of our direct lenders. See the list below:

You must be 18 years of age or older;
You must be a legal resident or a citizen of the United States;
You must have a steady workplace (at least three months of working);
You must have a stable income (at least $1,000 per month);
You must have an available bank account;
You must have a valid email address and working phone number.


Your Credit History Is Not a Problem

Even if our online direct lenders perform soft credit checks, consumers with all types of credit scores are allowed to get short-term loan products. Potential borrowers with no credit background are also welcome to A soft credit check means that the lender reviews only the general information of your current financial condition.

These verifications help assess your creditworthiness without damaging your credit score. Our lenders are performing them only through alternative credit companies, not major credit bureaus like Experian, Transunion, or Equifax. That is why feel free to get no credit check loans and pay for your unplanned financial needs.

Enjoy the Greatest Advantage of Short Term Loans

Flexibility is the most significant benefit you get by applying with In a world full of financial difficulties, we aim to help consumers build a trustful relationship with their lenders. This way, borrowers receive the best customer care service and become satisfied with our loan products. The more flexible the repayment plan is, the larger the gratitude becomes.

Have Questions? We Can Help!

Our customer care operators are available 24/7 to answer your questions about short-term loans. We don’t pretend we do a good job; we are just making it by doing our best in matching you with a suitable lender from your living area. Feel free to call us or drop us a line and let’s speak about your financial solutions.