Quick Loans
Those heavy invoices should not mentally wear you out. Reach out to trusted quick loan lenders to get some fast cash today!
- Any Credit Score Considered
- Swift Approval Decision
- Safe & Secure
This service is FREE and will not affect your credit score.
How Do Online Quick Loans Work?
A quick loan can be your saving grace when unbudgeted expenses rear their ugly head and your savings don't stack up to what you need to cover these expenses.
The entire process is as simple as submitting a form online, waiting for a decision, signing an agreement, and getting funded. Once you turn in your quick loan request, you can expect to get the fast cash as soon as 24 hours.
How Fast Are Quick Cash Loans?
Fast cash loans are disbursed as quickly as they need to be to sort out your emergencies. Typically, how soon you can receive the quick cash loans depends on how long the lender needs to review your request and how long it takes to go through the entire process. Our partner lenders make a decision in as fast as five minutes and you get funding in as little as 24 hours.
How Can I Get Fast Cash Loans Online?
One of the things instant loans are most notable for is how easy it is to get one. You can get fast cash loans online in these three, simple steps
- 1
Enter your details on the form
Once you make a request for a loan, a form pops up where you are required to enter basic information about yourself and your financial situation. The information supplied will be verified by the lender, so ensure they are accurate.
- 2
Receive quotes
Once you are connected to a partner lender and the lender okays you for a loan, you will be sent a quote. In the quote, you will find the approved amount and the terms and conditions tied to it.
- 3
Get funded
Sign the quote only if you accept its contents. Once you have signed, you should be expecting to get funded anytime from then depending on your bank's processing speed.
Why Choose Our Service for Quick Cash Loans
Less Time-Consuming Process
Bank loans are fine, but the processes involved? Very hectic and killing. Why go through that stress when you can get an easier alternative? Our quick cash loan processes are simple and straightforward. In a few, quick steps, you should get funded.
Get Funds Quick
Unplanned expenses are emotionally distressing enough. Adding long loan waiting times is fanning the flames even more. That's why you should choose USInstallmentLoans. Our lenders process fast cash loans in as little as 24 hours.
Good Credit Is Not a Requirement
Unlike the bank which won't even give you a listening ear, our partnered lenders understand your financial position and are willing to listen to your request for financial aid. They are more than willing to fund you even if your credit profile isn't attractive.
No Hard Credit Checks from Lenders
As mandated by the CFPB, all reliable lenders must run a credit check on borrowers' credit profiles. However, our lenders will be running only soft credit checks. These soft credit checks won't hurt your credit score.
What Are The Bright Sides And Dark Sides of Fast Cash Loans?
Pros
Good for emergency
When you are cornered into a financially tight spot and need to take care of an emergency, you want to get financial aid instantly. And in this case, you should go for a quick loan.
Convenient & quick
Speed and convenience are the hallmarks of quick cash loans. You can request a quick loan from the comfort of your couch from the convenience of your mobile device. Requesting and getting funded also doesn't take long.
No Collateral Necessary
Don't have collateral to secure your loan? No problem. Fast cash loans do not have a collateral requirement. You can obtain loans up to $5,000 even if you have no collateral.
Cons
High interest rates
The interest rates of instant cash loans are on the high side. For instance, with many lenders you would have to return between $115 and $130 for every $100 borrowed. You may also pay as high as $15 if you're late on the repayment by one day.
Relatively Low Borrowing Amounts
Most fast loans come with relatively low borrowing amounts compared to traditional bank loans. Therefore, they may not be your best bet when you need to cover cash-intensive expenses like buying a large piece of equipment.
May lead to debt
Since the eligibility requirements for quick cash loans are easy to attain, it's easy to get caught in the web of constantly borrowing. If you already have credit card debts piled up, you want to be careful about taking another loan.
Tips on Comparing Different Quick Loans Online
Loan Amounts
Your credit score can influence how much risk a lender is willing to take on you and how much they can fund you with. Check with the available quick loan lenders around you to see how much they are willing to offer you.
Payment Terms
Have a look at their laid-down terms and see if you resonate with them. You may also want to consider the repayment term (window). The longer the repayment term, the higher the interest rates and the entire cost of the loan.
Eligibility Requirements
What are their eligibility requirements and how many of them do you meet? Move on to the next once you see you don't tick all requirements for a particular lender as you can't get funded without meeting those requirements.
Alternatives to Fast Cash Loans
Same-day Loans
The prefix same-day already gives a clue about how quickly this kind of loan can be processed. For emergencies like medical bills where time is of the essence, you may want to request a same-day cash loan.
Cash Advance
Cash advance or payday loans are short-term loans intended to help you easily tide over unexpected expenses. Trying to fix a few emergencies before your next paycheck? You should get a cash advance.
Personal Loans
Personal loans can be obtained for virtually any reason. Lenders sometimes look at the reason for obtaining a loan before approving and may not fund you if they consider the reason mundane. But with personal loans, you can get away with anything.
Title Loans
Want to access a higher loan amount? You may want to bring your car along. With a car as collateral, you can unlock even more funds than you thought possible. There's nothing to be worried about as long as you don't default.
Installment Loans
If you're loan-shopping - at a direct lender's - for the most convenient repayment loan package, then you shouldn't look further than installment loans. They give you the convenience of spreading your debt over several months.
FAQs
What you'll need to apply for an instant cash loan?
The requirements for an instant loan are not cast in stone and may vary from lender to lender. But these are the general ones - proof of identity, proof of address, and income verification.
How much fast cash can I borrow?
Your credit ceiling depends on a number of factors, chief of which are the loan term and state you reside in. For instance, some states allow you to borrow up to $1k, others less. Also, you can get up to $5k if it were a long-term loan.
Can I get approved for a quick loan with bad credit?
Yes. Your bad credit should not strip you of your rights to get an emergency loan, and we make sure of that. With USInstallmentLoans's partner lenders, you can secure loans up to $5k, even with bad credit.
Is my info safe with USInstallmentLoans?
Yes, it is. Your biodata and personal information are protected by industry leading security standards. We ensure modern security protocols to ensure all data entered on our platform is kept safe.
Do you or your lenders keep my information?
No, we don't. Neither we nor our partner lenders save, share or sell your private information. Your data are meant to be private and confidential and we ensure we keep them that way.
Do I need to provide collateral to get a fast cash loan?
Most of our quick cash loans are not secured, hence, do not need any collateral. Neither would our lenders require you to have a guarantor to secure your loan even if your credit score is nothing close to stellar.
Will an instant loan impact my credit score?
No. Unless of course, you fail to redeem your loans on time. Defaulting on a loan can hurt your credit score. Other than that, you are safe.
Increase Your Purchasing Power With Quick Loans Now!
You can cater for those emergency car or house repairs, pay your ward's tuition fees, or access bulk order discounts in the short term with quick loans. Get started today to access our partner lenders' favorable interest rates.
Get Started Today