Compare short-term lenders for fast cash. Loans from $100–$5,000 funded same day. Bad credit accepted.
📅 Last updated: June 2026 — Rates verified from lender websites. Compare multiple lenders before applying.
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APR ranges reflect each lender's published minimum and maximum rates. Your actual rate depends on your credit score, income, loan amount, and state. Always compare multiple lenders before applying.
Many short-term lenders can deposit funds the same day you apply, sometimes within hours of approval.
Short-term lenders typically accept lower credit scores than traditional banks. Many accept 580+ or have no minimum.
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Checking your rate uses a soft credit pull which has no effect on your credit score. Only formal applications trigger hard pulls.
A short-term loan is a loan designed to be repaid quickly — typically within a few weeks to 12 months. They are commonly used for emergency expenses, unexpected bills, or bridging a cash-flow gap between paychecks. Amounts typically range from $100 to $5,000.
Many online short-term lenders fund the same day you apply, often within hours of approval. If you apply and are approved before 2–3 pm ET on a business day, funds may be deposited to your bank account the same day. Some lenders offer instant transfers to debit cards for a small fee.
Short-term lenders typically accept lower credit scores than traditional banks. Many accept scores starting at 580, and some have no minimum credit score requirement at all. However, lower credit scores usually mean higher APRs. Having a steady income matters as much as your credit score.
Most short-term lenders offer up to $5,000, though the amount you qualify for depends on your income, credit profile, and state laws. If you need more than $5,000, a personal loan may be a better fit — many personal lenders offer up to $100,000.
Reputable short-term lenders are licensed, regulated, and transparent about their rates and terms. Before borrowing, verify the lender is licensed in your state, read the loan agreement carefully, confirm there are no hidden fees, and make sure you can repay on time. Avoid lenders who do not disclose APR or demand upfront fees before funding.