Short Term Loans Online — 60-Second Matching Decision
Short term loans from $100 to $5,000 with flexible repayment from 7 days to 24 months. PrimeLendings matches you with a licensed lender in under 60 seconds — same-day deposit, bad credit welcome.
Apply in 5 Minutes
256-SSLLoan Range
$100 – $5,000
Loan Terms
7 Days – 24 Mo
Credit Check
Soft Pre-Qual
Funding
Same Day
Why Choose PrimeLendings?
Flexible Terms — 7 Days to 24 Months
Choose the repayment period that fits your budget. Short-term payday loans offer 7–31 day terms. Installment options extend to 6–24 months with fixed monthly payments.
Amount Range $100 – $5,000
Whether you need $200 for a utility bill or $3,000 for a car repair, PrimeLendings' network covers the full spectrum of short term loan amounts.
Instant Decision — Under 60 Seconds
Our automated matching system returns a short term lender match in under 60 seconds. Available 24/7 — no waiting for business hours.
Bad Credit Accepted
Short term lenders evaluate income and bank account activity, not credit scores. Scores from 300–579 are accepted. Soft pull only — no FICO impact at the initial matching stage; individual lenders may conduct additional credit checks before final approval.
All Income Types Accepted
Employment, self-employment, gig work, SSI, SSDI, pension, and VA benefits all qualify as income for short term loan applications.
State-Licensed Lenders Only
Every short term lender in PrimeLendings' network is state-licensed and bound by your state's consumer protection regulations and TILA disclosure requirements.
How It Works — 5 Minutes to Funding
- 1Choose Your Loan Amount and TermSelect how much you need ($100–$5,000) and your preferred repayment period. PrimeLendings matches you with lenders that offer your requested product.
- 2Complete the 5-Minute ApplicationEnter your income, bank account, and personal details. No document uploads, no faxing. 100% online.
- 3Receive Your Instant MatchOur system matches you with licensed short term lenders in your state within 60 seconds.
- 4Review Full TermsSee your APR, total fees, monthly payment (if applicable), and payoff date before signing.
- 5Get Funded Same DayE-sign your agreement and receive funds via ACH same day or next morning.
Types of Short Term Loans Online
| Loan Type | Term | Amount | Best For |
|---|---|---|---|
| Payday loan | 7–31 days | $100–$1,500 | Single paycheck gap |
| Payday installment loan | 2–6 months | $200–$2,500 | Slightly longer repayment |
| Personal installment loan | 6–24 months | $500–$5,000 | Larger amounts, lower APR |
| Cash advance | 7–31 days | $100–$1,000 | Immediate emergency cash |
| No credit check loan | 7–31 days | $100–$1,000 | Very poor credit history |
Short Term Loans vs. Long Term Loans
Short term loans (7 days – 24 months) differ from long-term loans (2+ years) in the following key ways:
- Faster approval — Short term lenders approve in minutes vs. days/weeks for bank loans
- Lower credit requirements — Short term lenders accept bad credit; bank personal loans typically require 620+
- Higher APR — Short term loans carry higher APRs due to shorter repayment periods and higher default risk
- Smaller amounts — Short term loans cap at $1,500–$5,000 vs. $50,000+ for long-term personal loans
- Emergency use only — Best suited for immediate cash needs, not planned purchases
PrimeLendings vs. Alternatives
| Feature | PrimeLendings | Banks | Storefront Lenders |
|---|---|---|---|
| Application | 5 Min Online | Days/Weeks | In-Person Visit |
| Credit Required | Multiple Profiles Considered | Good–Excellent | Varies |
| Availability | 24/7 Online | Business Hours | Business Hours |
| Funding Speed | Next Day Typical* | 3–10 Days | Walk Out With Cash |
| Pre-Qual Inquiry | Soft (matching stage) | Always Hard Pull | Varies |
| Prepayment Penalty | None | Sometimes | Sometimes |
Frequently Asked Questions
Get Matched With a Lender
Fast — Apply in 5 Minutes
One 5-minute form. Soft pre-qualification inquiry at the matching stage — participating lenders make independent funding decisions. Licensed lenders available in all 50 states.
256-bit SSL · Licensed lenders · TILA-compliant disclosures
Marketplace Disclosure: PrimeLendings is a 100% online loan marketplace, not a direct lender. We do not originate, fund, or service loans. We instantly match borrowers with licensed lenders across the US and Canada who make all independent credit and funding decisions. Loan approval, rates (5.99%–35.99% APR), and terms are determined solely by the matched lender. Submitting a request does not guarantee loan approval. Loan terms, APR, fees, and availability are set by individual lenders and vary by state. A lender may perform a hard credit inquiry before final approval, which may affect your credit score. Representative example: $500 borrowed for 14 days at a flat fee of $15 per $100 = total repayment $575 (APR 391%). Always review lender terms before signing.
Related Pages
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