Short Term Loans

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Short Term Loans – A Flexible Way to Borrow

Short term loans could be the key to enjoying relief from the stress of unexpected expenses. No one can predict the future. Whether it’s a medical emergency bill or a car repair that causes you concern, many borrowers turn to short-term loans as a practical, instant solution to money.

With the evolution of banks and financial institutions, you have access to different short term loans types. Payday loans and installment loans are the most popular ones, as they have given many people the needed help because of their easy eligibility requirements and flexibility.

What Short Term Loan Do You Need?

Short term payday loans instant approval

Payday Loans

The traditional short term loans are payday loans, also called cash advances. These are small loans with high interest rates, usually paid back when with your next month’s paycheck, within 2-4 weeks. This short term loan is therefore ideal for any purpose if you suddenly have emergencies and unplanned family expenses during the month that you simply don’t have money for.

To qualify for these short term cash loans you'll typically need an email address, proof of income and a valid checking account. The payday loan amount varies between $100 and $1,000 and is determined by how much one earns. As to the repayment terms: you need to repay the cash advance as a lump sum when you get paid at the end of the month.

People with bad credit scores may be approved for that kind of short term financing. Lenders we partner with, don't check applicant credit score with traditional credit bureaus. So, you can apply easily for such short term loans without affecting credit history.

Short term installment and personal loans

Installment Loans

An installment loan is a different type of short term option where you're allowed to pay back the loan amount in installments over time, such as a few months or even years. This gives you access to funds if you need them to cover emergency needs as well as credit card debt and even debt consolidation. Paying back this short term loan happens with manageable payments, rather than a lump sum, making it similar to personal loans.

Installment loans are popular thanks to these benefits:

  • Competitive interest rates and no collateral.
  • Larger loan amounts up to $5,000.
  • Easy repayment plans with timelines as long as two years.

It’s important to manage this short-term loan wisely as your total repayment amount depends on how long you take to repay the loan. Paying a little more each month for six months, instead of a lower amount for a full year will save you in the long run. These loans are very similar to personal loans, but have shorter repayment spans, higher cost (interest rate), faster funding and don't carry origination fees.

1FCA Short Term Loans Online Application Process

This is one of the biggest benefits of using short term loans from our loan providers rather than credit unions and banks. The process is fast and simple:

1. Apply online. Complete our easy loan application form by providing identification information and proof of income. It takes only minutes to get the decision on loan approval.

2. Choose amount and sign the agreement. Once approved, choose the amount you want to borrow. It ranges from $100 to $5,000 depending on loan type and your state of residence. Check loan terms, loan rates, APR, applicable charges and choose suitable repayment dates.

3. Receive cash. The funds are deposited to your bank account on the same or next business day, so you get the money very fast.

Short Term Loans From Direct Lender

We partner with a range of trusted lenders, so we are able to help our customers get the cash they need today, as well as build the best financial future tomorrow. If you have bad credit or no credit report, 1FirstCashAdvance.org is here to help you get a better short term loan offers. Due to a soft credit pull instead of a hard one, even if you have bad credit you may still gain access to funds to help you with short term financial needs. Nevertheless, the higher your credit score, the better interest rate (APR) as well as the terms and conditions of the online loan you get.

No matter what type of short term personal loan you get, be a responsible and wise borrower. Read the fine print before signing, make the loan payments on time, and don’t borrow more than you can afford to repay.