Short Term Loans

Select Loan Amount:


Applying does NOT affect your FICO® credit score!

What Is a Short-Term Loan?

The simplest definition of a short-term loan is a loan scheduled to be repaid in just one month. Some define installment loans as short-term loans with a repayment period of up to 1 year. There are different types of loans to investigate, and one may be more beneficial for you than another.

Short-term loans come in a variety of forms that include short-term payday loans or cash advance loans. Other traditional short-term loan forms include credit card cash advances, personal loans, and installment loans. Since many people cannot qualify for a traditional or bank loan due to low credit scores or cannot get cash from their credit card, they consider a short-term payday loan online.

Short-term payday loans are for emergency situations like emergency car repairs, utility or electricity bills, medical bills, or just when you do not have the cash to pay for simple groceries or other necessities. Short-term payday loans can cover you in emergency situations until your next payday.

You can get a short-term loan for any personal reason.

What Are Payday Loans?

A payday loan is a short-term cash advance that can help you cover various emergency expenses, as noted above. Payday loans are a form of short-term loans. These loans can have a short repayment period, sometimes only 2 weeks but never more than a month in most states. Some states allow 2 month payday loans. Check your state’s website to see more about regulations for where you live.

How Do Online Short-Term Loans Work?

You can apply for online, short-term loans by completing a loan request form online. Your loan request is then sent to our large network of direct lenders to increase your chances of approval. It is better to have 100 lenders interested in your loan than just one. If your loan request is approved, you get your cash loan deposited directly into your bank account.

How Do I Apply for a Short-Term Loan?

After you submit your loan request form, we will provide you with an instant decision, within 5 to 60 seconds, on your loan eligibility. Your lender contacts you directly to review:

  • Your specific loan terms
  • Your interest rate and fees for your loan
  • The maximum loan amount that you are eligible for

Your lender will also answer any questions you may have about your loan. You are never obligated to accept a loan offer from any lender.

Can I Get a Short-Term Loan with Bad Credit?

Absolutely! Online short-term payday loans do not involve hard credit checks, so poor or bad credit is not a problem! Having bad credit does not mean you are a lesser person. However, your credit history is your track record of how well you have handled previous debts and payments.

CashinaMoment can offer short-term loans even if you have poor or bad credit scores. Online direct lenders consider your income as more important than credit scores. It is a better indicator of your ability to repay your short-term loan.

There Are Some Basic Requirements You Should Meet, Including:

  • Have a valid email address and phone number ( or your cell number),
  • Have net pay of at least $1,000 per month,
  • Be at least 18 years of age or older,
  • Be a U.S. citizen or legal resident with ID,
  • Have a home address in the state where you are requesting your loan.

There may be other information requested depending on where you live. Every state regulates short-term loans, and there are differences in the laws and regulations.

How to Get Short-Term Personal Loans for Bad Credit

Usually, people with bad credit have difficulty getting any kind of financial help. People with bad credit can apply and qualify for short-term loans. However, with a bad credit rating, you will likely resort to short-term payday loans that are fee-based. In some cases, the fees can be high. Short-term loans for bad credit are commonplace, and you should consider them as a tool to use when you have emergency situations.

Consider Other Ways to Get Extra Cash:

  • Maybe borrow from friends or family,
  • Sell some items that you no longer use,
  • Ask for a payday advance from your employer

Where Can You Get a Quick Short-Term Loan?

Quick short-term loan options are available at 2 places, storefronts and online. The storefront option is limited to a small number of states and requires driving around from store-to-store. You often end up wasting a lot of time and gas money.

Online short-term loans are extremely simple to request and fast to get. Just complete a loan request form in 2-5 minutes and get a response from a direct lender in seconds. The complete process of requesting your loan, lender verification and approval, and lender review of your terms and conditions takes about 20 minutes. You can get your cash in your account in 1 business day.

Short-Term Loans for Tax-Paying Americans

CashinaMoment offers short-term cash advance loans that can address any emergency cash needs. You can pay back your loan on your next pay date.

You should not get a short-term payday loan if you are not confident you can repay the loan when it is due. You could suffer additional penalties and fees if you are late with your repayment. If you anticipate a missed payment, immediately contact your lender as there may be options they can assist you with.

How Much Money Can I Get?

In most states, borrowers can get short-term loans between $100 and $500. The amount of loan depends on your state’s laws and regulations, and your income is a key factor as well. Both these factors often result in the inability of borrowers to seek traditional loan options.

How to Get a Short-Term Loan from CashinaMoment?

At CashinaMoment, the entire payday loan request and approval process is online and takes only a few clicks and a follow-up call from the lender (if you are approved).

Complete and submit our short loan request form. Your loan request is referred to more than 100 direct lenders in seconds. You get an answer in seconds. The direct lender who wishes to lend to you will contact you immediately if you are approved. If you agree on your loan fees and payback terms, the money is transferred to your checking account the next business day. You can do everything right from your smartphone, tablet, or PC and do so securely and quickly!

What Are the Advantages of Short-Term Loans?

There are several advantages of obtaining a short-term loan. Short-term loans are fee-based, so you know exactly what you will repay. They are easy to apply for and are processed faster than any traditional loan. These loans are totally unsecured, so you do not risk anything you own.

  • Fast Funding:You can get your cash in one business day.

  • Fee-Based:You know exactly what you pay for your loan before you get it.

  • Short-Term:As the name implies, short-term loans are not long-term debts, so you can simply pay it off on your next paycheck.

Some states limit or do not allow payday or cash advance loans, so check your state regulations if you are not sure (online state websites).

Do Short-Term Loans Have Fast Approval?

As noted above, a payday loan is among the fastest ways to receive cash.

The information required from you is straightforward and easy to provide. The process is over in minutes, and the terms and conditions are simple and easy to understand.

Do Short-Term Loans Have Credit Checks?

No traditional hard credit checks are used for short-term payday loans.


At CashinaMoment, we offer customers short-term financial options at a time when they need them the most. When you apply for a loan with us, you do not need good credit scores. Our loan process is simple and straightforward. New customers can also receive their cash quickly on the next business day.

No! There is no application fee or any fee for our services, ever.

Absolutely. CashinaMoment offers fast, short-term loans through our simple online application. Our application is safe, secure, and encrypted.

Yes, our loan request form is safe, fully secured, and uses the latest encryption technologies, and we do not resell your data to third parties.

Complete our short loan request form. It will ask you for some basic personal information like your phone number, home address, email address, and some income and banking information.

CashinaMoment offers loans ranging from $100 to $1,000 or more. The amounts depend on your profile and the state where you reside. Usually, a short-term personal loan has a short repayment term of around one month, and many states cap the amount at $500.

Long-term loans, often called installment loans, are available in larger amounts of $1,000 or more and have payback periods of 6 months to a year as well as lower costs to you.

Installment loans usually require stronger credit scores to qualify.

Auto loans or title loans involve a car appraisal which can add a few more days to the loan process. These loans are not available in most states; only about 15 states allow auto title loans. They may have a lower cost and larger loan amount, but you risk your car if you miss a payment as it is collateral for the loan.

Qualifying for a short-term personal loan can be challenging if you do not have at least fair or good credit scores. CashinaMoment may be your best solution when you need a quick short-term loan online. You do not need a good credit score when applying for a short-term loan with us. Plus, this type of online lending can also help boost your credit score if you make your repayment on time.