8 Best Fast Online Cash Loans Providers Compared

Finding a fast cash loan lender online, that can provide a fast cash loan can be difficult and scary. You do not want to pay more interest than necessary and you do not want to get hit by extra fees and the end of the payment period. We have all been in the situation we just need that extra quick cash to pay a bill or get groceries, but make a well thought out decision before you commit. Small Business Loaning has done the hard work for you so you can make a decision with ease, just like thousands of lenders before you.

What are Fast Cash Loans?

Fast cash loans are short terms loans that are also called quick cash loans, cash advance loans among other terms used to market them. In the United Kingdom, you have fast text loans, in which you can get a quick cash loan via text message.When you are in need of money today a fast loan can help save the day. When you borrow money from a lender that specializes in quick cash loans you generally get the money the next day. A fast cash loan is a small amount of money, which minimum and maximum amount often range between $100 and $1,500, although your borrowing amount is dependent on your net income and state law agreements.

Generally a cash loan is expected to be repaid by the next payday. The general repayment period is two weeks, thus if you borrow the money the day before your payday, you will usually have to pay back your debt on your following payday. Most lenders can work with you on the date, so decide on what would work best for you to pay your loan back on time without getting stuck with additional fees.

Fast Cash Loans Requirements

Applying for a loan is fairly easy and the process to get a cash loan can be done online. In fact, you do not need to fax any documents and no credit check is performed by the lender, so that your credit history is not a determining factor to get your application approved. The main requirements are:

  • You need to be employed by your employer for at least six months, but some lenders may accept applications from self-employed workers as well.
  • In addition, you need to be a legal adult and legal resident of the United States, besides having a bank account to get your money deposited into it, although you can also work out this requirement asking the lender to send a check to your address or picking it up at their office.

Fast cash loans are almost instantly approved, but your paycheck serves as collateral to obtain it. When this requirement is not met, the lender may ask for extra income proof, as in the case of freelancers. This type of loan also has the highest interest rates in the financial market so is good practice to repay your fast cash loan as soon as possible to avoid falling into a debt cycle that is hard to break.

8 Best Fast Online Cash Loans Providers Reviewed

Usually, when you’re in a short-term need for cash, waiting for your next paycheque to deposit isn’t an option if you want to avoid overdraft fees or late fees. Whether you need quick cash to cover an emergency vehicle repair, a medical expense, an unexpected spike in interest rate or another financial issue, these online cash loans can help relieve the stress and put money into your checking account.

Speedy Cash Loans

Online Cash Loans Speedy LoansSpeedy Cash is a secure, confidential and fast way to get extra cash into your bank account, the entire online loan process takes just minutes to complete and you’ll know instantly whether you’re approved. The best part is that your online payday loan funds will be in your checking account by the next business day.

Speedy Cash payday loans are offered online in select states. Find out if online payday loans are available in your state by visiting their rates and terms page. To apply for a payday loan online you must meet minimum age requirements (18 in most states), have an open and active checking account in your name, and a steady source of income.

Speedy Cash Loans Review and Tips

  • 24/7 online application, at more than 200 physical locations or by phone
  • Online Cash Loans include 33 states: Alabama Cash Loans, Alaska Cash Loans, Arizona Cash Loans, California Cash Loans, Hawaii Cash Loans, Idaho Cash Loans, Illinois Cash Loans, Kansas Cash Loans, Louisiana Cash Loans, Mississippi Cash Loans, Missouri Cash Loans, Nevada Cash Loans, New Mexico Cash Loans, North Dakota Cash Loans, Oklahoma Cash Loans, Rhode Island Cash Loans, South Dakota Cash Loans, Tennessee Cash Loans, Texas OCCC Notice and Fee Schedule Cash Loans, Utah Cash Loans, Washington Cash Loans, Wisconsin Cash Loans, Wyoming Cash Loans
  • Additional bank accounts will be checked for to avoid cash loans with bad credit. Be aware of this.

SpotLoan Online Cash Loans

Spotloan Online Cash LoansSo far more than 80,000 people have used Spotloan to get the cash they needed. Here is how they work:

1. Pick your terms. Think about how much you need to borrow, select a payment amount that works for your budget and find out how long you have to pay it off.

2. Fill out a simple online application. Their application is completely secure and confidential. Just fill it out and they will give you a quick call to complete your application.

3. Get cash in your bank account. Your checking account may get the funds as soon as tomorrow if approved and confirmed before 8 p.m. Eastern Time.

Here are few more things you should know: You’ll need a job or other steady source of income, a qualifying bank account to deposit funds, and your own email address so that we can send you all of your Spotloan information. When you get your loan, you’ll know the cost down to the penny and have a plan to pay it off over time. Spotloan offers solutions that work when the money gets tight. Now that’s something worth smiling about.

SpotLoan Loans Review and Tips

  • Spotloans are currently available to residents of all states except Arizona, Arkansas, Colorado, Connecticut, District of Columbia, Georgia, Maine, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New York, North Dakota, Pennsylvania, Vermont and West Virginia.
  • The maximum interest rate is 390%. Annual Percentage Rate (or APR) expresses the cost of the loan as a percentage of the amount borrowed converted to an annual rate.
  • You earn credit when you successfully pay back your first Spotloan. You’ll automatically qualify for better rates on your next loan with them.

NorthCash Online Cash Loans

Northcash Online Cash LoansNorthCash is a native american owned business and member of the online lenders alliance. Getting your loan is fairly easy through the following steps.

1. Apply for your loan. Fill out the information requested on their easy application form. The form is 100% secure so you can be confident your information is safe. The application process does not require a credit check through the 3 main credit bureaus (Experian, Equifax, TransUnion) and you don’t have to fax anything in or visit a store to get approved.

2. Receive approval. After a few seconds, you will receive a notice letting you know if you are pre-approved and what loan amount you are qualified to receive.

3. Get your cash. You receive the cash from your loan direct to the bank account you designated on your application. Most of their customers receive the money within 24 hours, although delivery may vary depending on your banking requirements. You can also choose to get the cash the same day using the wire transfer service for a $15 transfer fee.

NorthCash Loans Review and Tips

  • Cash loans are not available in all states and state availability may change from time to time without notice. Northcash does not lend to residents of Arkansas, Georgia, Maryland, Minnesota, Montana, New York, Pennsylvania, and West Virginia, or to members of the military.
  • Northcash now provides online installment loans: The installment loans range from $400 – $1000 with a term of 3 – 18 months.
  • If you do not have sufficient funds in your account to cover payment, you will incur a $30 NSF (non-sufficient funds) fee, after which a late fee of $30 will be assessed after 5 days.

Advance America Online Cash Loans

Advance America Online Cash LoansAn online loan is processed completely online without the need to visit a location. You submit an online application at Advance America and if approved, the funds from the cash loan are deposited directly into your bank account, often by the next banking day. Your repayment of the loan is electronically deducted from your bank account on your due date(s). At Advance America you can get:

A cash advance (or payday loan) is a short-term, small-dollar loan, often used to cover unexpected expenses or bridge a temporary gap between paychecks. A cash advance is a financial solution that provides an alternative to bouncing checks or paying late fees. Cash advances are used to cover short-term financial situations; not a long-term financial solution.

An installment loan typically offers larger loan amounts, and the ability to repay the loan over a longer period of time.

You must meet the following requirements to be eligible to receive a loan or Credit Services:

  • Have an active checking account with your income direct deposited.
  • Have a steady source of income.
  • Have a Social Security Number and valid ID.
  • Must be at least 18 years of age.

Advance America Loans Review and Tips

  • They‘re a state-licensed company which means we follow all applicable state laws.
  • They providing a safe, secure and private transaction.
  • They do not pull your FICO score from Experian, Trans Union or Equifax, however they may check other sources as part of our credit transaction approval process.

Plain Green Loans Online Cash Loans

Plaingreen Loan Online Cash LoansWhen you need emergency cash, a Plain Green loan can help you stay ahead and get on with your life. The online application process is a breeze.  In a matter of seconds, you’ll find out how much you qualify for — anywhere from $250 to $1,000 for first time customers. Here are the steps:

1. Apply online.  Complete our simple, easy and 100% confidential application.   Submit your information using our secure site in minutes.  Keep these minimum requirements in mind:

  • You are at least 18 years old (19 if residing in AL or NE)
  • You reside in a state we currently serve
  • You have a job or other proven source of income
  • You have an e-mail address
  • You have an active and valid checking account

2. Get an answer in seconds. You will find out if you were approved and the amount right away.

3. Get your cash tomorrow. Upon approval, we will deposit your loan funds as soon as the next business day (for transactions completed by 6 p.m. ET).  Applications received after 6 p.m. ET are processed the next business day.

Plain Green Loans Review and Tips

  • Their loans range from $250 — $3,000.
  • Interest on a Plain Green loan is typically much less than fees charged for a payday loan.
  • With a Plain Green loan, you pay your loan back over time, not in 2 weeks. Their terms range from 4 to 19 months, depending on the size of your loan. For example, a $700 loan has an annual percentage rate (APR) of 364.00% with 14 bi-weekly payments of $116.63.
  • Plain Green reports your payment history to a major credit bureau. Your successful, on-time payments may help you toward building a better credit record.

RISE Loans Online Cash LoansRise Credit Online Cash Loans

RISE encourages you to get out of debt as soon as possible, however if you need additional credit you will see a 50% drop in your rate on future loans after making 24 months of scheduled payments (excluding customers with starting rates of less than 75%). Even better, after 12 additional months of payments, you will qualify for a 36% rate!

Requirements for a RISE cash loans:

  • You are at least 18 years old (19 in AL)
  • You live in a state they service
  • You have a job or regular source of income
  • You have an active and valid checking account (savings and prepaid accounts not accepted)
  • You have an email address to receive account information

RISE Loans Review and Tips

  • With their flexible payment scheduling, you can choose your own terms. You can save by paying early.
  • Loan approval amounts range from $500 to $5,000 – depending on the laws of your state.
  • You can check your TransUnion® credit score and receive credit alerts for free, and start working toward a better financial you.

CashAmerica Loans Payday Cash Loans

Cash America Online Cash LoansWith CashAmerica it is slightly different than the other online cash loan lenders. CashAmerica provides you a cash advance—also called a short-term loan, payday advance or a deferred deposit transaction—can help tide you over until your next payday. Depending upon the law of the state where you reside, you can request a cash advance of $100 to $1,500 and, upon approval, get cash in minutes. Once your completed loan application is approved, all you have to do in most cases is write them a personal check or authorize them to debit your deposit account electronically (ACH) for the amount of the loan, plus fees, and they hold your check or refrain from debiting your bank account electronically (ACH) until the loan is due—usually your next payday. The process is fast. It’s easy. And, it’s confidential.

Requirements for CashAmerica Loans:

  • Valid driver’s license, other state-issued photo ID or military ID.
  • Proof of income or recent pay stub or other form showing take-home pay and Social Security number.
  • Checkbook with pre-printed checks.
  • Most recent bank statement.
  • General Maximum Online Cash Loan Rates.

CashAmerica Loans Review and Tips

  • A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions.
  • The Total Amount Due is payable on the due date. If your payment is in default for a period of 10 days or more, you will be charged a late fee in an amount equal to the greater of 5% of the payment amount due or $7.50.  A $30 NSF charge will be applied for any returned payment.
  • Payday advance loans are only available in selective states.

LendingClub Loans Online Cash Loans

Lending Club Online Cash LoansLending Club is a little different than the other cash loan providers, and thus the process more thorough. Lending Club uses technology to operate a credit marketplace at a lower cost than traditional bank loan programs, passing the savings on to borrowers in the form of lower rates and to investors in the form of solid returns. Borrowers who used a personal loan via Lending Club to consolidate debt or pay off high interest credit cards report in a survey that the interest rate on their loan was an average of 7.0 percentage points lower than they were paying on their outstanding debt or credit cards.

By providing borrowers with better rates, and investors with attractive, risk-adjusted returns, Lending Club has earned among the highest satisfaction ratings in the financial services industry.

How it Works

  • Customers interested in a loan complete a simple application at LendingClub.com
  • They leverage online data and technology to quickly assess risk, determine a credit rating and assign appropriate interest rates. Qualified applicants receive offers in just minutes and can evaluate loan options with no impact to their credit score
  • Investors ranging from individuals to institutions select loans in which to invest and can earn monthly returns

Lending Club Loans Review and Tips

  • Personal loans ranging from $1,000 to $35,000
  • You can apply online in minutes.
  • If accepted you get funded within a few days
  • Make fixed monthly payments

Fast Cash Loans with Bad Credit

From Small Business Loanings’ experience, it is possible to connect people looking for an online cash loan with the right lenders, even if your credit is bad.  Finding the perfect loan when you have bad credit is not often easy. This is because there are usually a lot of hoops to jump through from the different lenders to see if you qualify for what they have to offer. When you have bad credit, most lenders see you as a high-risk when it comes to repaying the money you have borrowed. Because of the higher level of risk, there are often more fees associated with each of these loans, which can make deciding on what lender to go with a difficult task.

How You Can Help Getting a cash Loans with Bad or No Credit

When you have bad credit, there are a few things you can do to help secure the loan you are wanting or needing. One of those things is doing your best to try and make payments on time as often as you possibly can. The more on time payments you have, the better your overall credit will look to lenders. Another thing you can do is to open a secured credit card before getting the loan. If you put a little bit on the card each month, it shows up as good payments on your credit report. The more positives lenders can see on your report before deciding on the loan, the better off your loan terms are likely to be. When you need a loan with bad credit, there are options. The best option is to fill out one application and let the lenders offer what they can to you. Decide which of the terms is most beneficial to you, and go get the loan you need.

For any professional one-on-one advice on instant cash loans online, you can leave us a message via our contact page and we will get back to you shortly. Always make a well thought out decision and do not put yourself (or your family) in additional problems by lending your cash loans at the wrong providers. For more information on online small business loans click here.