Apply Now for Short Term Loans with a Simple 3-Minute Application

Getting a loan has never been easier. I didn't have fax anything and there was no unnecessary paperwork. Thank you so much

Jessica, Dallas, TX

Get a Loan TODAY!

By submitting your information you agree to our Privacy Policy and Terms of Website Use.

Apply for Short Term Loans Online with our Secure and Confidential Application!

When financial emergencies knock on your door, having a quick and reliable solution can mean the difference between a short hiccup and a prolonged issue. Short-term loans online can serve as that lifesaver, enabling you to cover unexpected expenses like medical bills or urgent car repairs. At UnitedFinances, we understand the importance of getting you the cash you need, when you need it. This article aims to guide you through the intricacies of short-term loans online, helping you make an informed choice.

What Are Short-Term Loans?

Although there's no universally accepted definition, short-term loans are generally considered loans with repayment terms of 12 months or less. Unlike typical payday loans with exorbitant APRs, short-term loans from reputable lenders offer more reasonable interest rates, even for those with little or no credit history.

Top Picks for Best Short-Term Loans Online

After extensive research, we’ve identified four distinct short-term loan providers that stand out in various categories:

1. Best for People with Little or No Credit History: Oportun

Oportun stands out because it doesn’t require a credit score for loan approval. Additionally, on-time payments could help build your credit since Oportun reports to national credit bureaus.

2. Best for Early Access to Your Paycheck: Earnin

Earnin is an app-based platform offering fee-free short-term loans. It allows you to withdraw up to $100 from your paycheck before payday.

3. Best for Retail Purchases: Affirm

Affirm offers personal loans for retail purchases with partnerships across thousands of online and brick-and-mortar stores. Interest rates start as low as 0% APR.

4. Best for Multiple Loan Terms: Personify

Personify offers a variety of personal loans with amounts ranging from $500 to $15,000. They offer flexible payment schedules—bi-weekly, semi-monthly, and monthly.

What You Should Know Before Applying

Check Your Approval Odds with UnitedFinances

Before you go ahead and apply, check your approval odds on the UnitedFinances platform to know where you stand.

Avoid Payday Loans

While payday loans might seem tempting, they often carry a high APR, sometimes around 400%. A payday alternative loan (PAL) from a federal credit union could be a more cost-effective choice.

Compare Your Options

At UnitedFinances, we allow you to compare multiple $500 short-term loans from various lenders so you can pick the one that best fits your needs. Take into account not just the APR but also the repayment terms and any possible fees involved.

How We Picked These Loans

We reviewed various lenders and their terms to provide you with the most dependable and cost-effective short-term loan options. Our evaluation is based on interest rates, fees, application processes, and customer reviews.

Short term loans, also known as personal loans, paycheck loans and same day loans, are designed to be used as a ‘bridge’ to get you through to your next payday. After all, we all have months where funds are short or where unexpected bills arise that need settling before next paycheck arrives.

For example, short term loans can be used for any of the following:

In fact short terms loans can be used for just about anything.

As we all know, banks never offer this type of loan because they make no profit from lending small amounts of money for just a couple of weeks or months. The lenders we work with here do offer such loans and, wherever possible, they will approve applications within a matter of hours.

Short term loans offered by our lenders are normally repaid on your next payday, but there are a few lenders on our panel that will extend the repayment terms.

All you need to apply for our short term loans is the following:

Short term loans are quick and easy to apply for through our secure website and no one will ever know you have borrowed money unless you tell them. In most cases our lenders will assess your loan application within hours of receiving it, and if you gain approval (which the vast majority of applicants do regardless of credit history) the funds will become available to you within hours.

What does this mean for you?

It means you no longer have to worry about one-off mid-month bills that could put you overdrawn with the bank.

Or it means you can replace your fridge freezer or cooker without having to wait weeks to be paid.

Or it means you can get your car back on the road when you need it and not when you can afford it.

Or it may even mean you can book that discount holiday before the price goes back up.

Whatever you use them for, short term loans can be lifesavers but as with any other type of finance they should be used sensibly.

Short-term loans online can be a useful tool in navigating financial emergencies. However, they should not be entered into lightly. Always make sure to read the fine print and understand the terms fully. At UnitedFinances, we aim to make this process as straightforward as possible, helping you get the financial relief you need quickly and responsibly.

Ready to get started? Head over to UnitedFinances today to find the short-term loan that’s right for you.

© 2013 UnitedFinances.com, Inc. All rights reserved.

UnitedFinances.com is a free comparison service empowering consumers to make better financial decisions. Our services are completely free of charge to our customers. However, this site may be compensated when a user clicks an "apply" or "apply now" button, or other links on the website.

Or Click Here to Finish Online