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The biggest short-term money lending networks –

by Lidia Lucovic

Certain products and services featured on this page are affiliated with partners, leading to commissions being received by us. It’s important to note that these affiliations do not exert any influence on the evaluations provided within our reviews. For further insights, please peruse our Advertiser Disclosure.

Acknowledging the potential risks associated with short-term loans, it’s essential to exercise caution and scrutinize the fees as well as the annual percentage rate before acceptance.

In today’s examination, our focus shifts to, a prominent player within the domain of short-term money lending networks. Our comprehensive review encompasses all essential information you need prior to engaging in borrowing activities.

Loan amounts:


APR depends on the lender




7-365 days


Depends on the lender






31 states


Usually one day, but it depends on the lender


  • No minimum credit score
  • Free to use
  • Soft credit score check run by CashAdvance
  • Easy to use
  • A vast network of lenders
  • Quick and easy online application process


  • Rates and fees vary by the lender
  • Available in only 31 states

What Is

An important preliminary point to grasp is that does not function as a direct money lender. Instead, it operates as an online networking platform that connects borrowers with potential lenders.

Upon submitting your requisite information, your profile is algorithmically matched with registered lenders. Consequently, you’ll receive a comprehensive list of companies willing to extend a loan to you.

Once a match is established, the selected lender will furnish you with all pertinent loan particulars, encompassing the Annual Percentage Rate (APR), associated fees, and other relevant details. If you opt to accept the terms, it is crucial to note that the lending responsibility falls upon the matched company, not

The loan quantum can span from $200 to $10,000, contingent upon the lender with whom you are paired. Upon loan approval, swift disbursement into your bank account is plausible, often taking place as early as the subsequent business day.

Further insights into the operational process are expounded upon in the forthcoming “How Does Work?” section.

It’s worth clarifying that short-term loans are distinct from cash flow loans, with the former being allocated to individuals and the latter specifically tailored for company usage.

Is Legit?

The ownership of the website lies with the Ute Indian Tribe, overseen by Hawk LLC. Notably, the tribe holds membership in the Online Lenders Alliance (OLA), an entity that spearheads the formulation of industry best practices and standards for online lending establishments. While this affiliation is promising, it’s worth noting that OLA refrains from disclosing its members’ list to the general public.

A reassuring facet is the utilization of robust 256-bit encryption by the website, underscoring its dedication to safeguarding users’ sensitive data with one of the finest encryption protocols available.

Although an overwhelming majority of reviews exhibit positivity, it is pertinent to address instances where certain users claim to have fallen victim to scams. To gain clarity, we embarked on an investigative journey to unearth comprehensive details.

A common misconception appears to be the conflation of and Cash Advance USA. However, the two are entirely distinct entities. Regrettably, Cash Advance USA has faced scrutiny from the Department of Financial Institutions (DFI) for engaging in an advance fee scam. It’s imperative to stress that Cash Advance USA is unrelated to

Concerns have surfaced regarding potential scams, with instances of individuals who, after applying for a loan on, were subsequently contacted by phone by an individual purporting to represent the company. These fraudulent representatives solicited a $120 payment as a supposed loan repayment indicator, pledging reimbursement upon approval. Yet, this money was ultimately held hostage under the guise of an exorbitant transfer fee exceeding twice the original amount.

It is crucial to recognize that does not initiate phone calls for any purpose. Should you encounter suspicious activity, swiftly reach out to’s customer support and promptly notify the authorities.

Nevertheless, it’s important to acknowledge that is not entirely devoid of responsibility in this matter. The fact that scammers were able to successfully register as a money lending entity on the platform raises questions about the efficacy of the vetting process. This could be attributed to an oversight or the potential presence of a seemingly legitimate company with dubious practices.

Regardless, maintaining vigilance and thoroughly scrutinizing each matched company for any signs of malfeasance is prudent.

In conclusion, these developments do not fundamentally alter our perspective of We still regard it as a legitimate money lending networking platform. The company demonstrates a proactive stance in combating potential scams and is transparent in its business practices, refraining from purposeful omission or concealment of information.

How Does Work?

Certainly, now that we have established’s legitimacy, let’s delve into its operational process.

A critical aspect to note is that utilizing incurs no charges; borrowers are exempt from fees, and no credit score prerequisites exist. Hence, obtaining a loan with unfavorable credit or even a bankruptcy record is indeed feasible.

To initiate the process, begin by navigating to the website and completing the online form. This form prompts you to input personal details, including your name, address, email, phone number, date of birth, Social Security number, and desired loan amount. Additionally, information pertaining to your employment and income is required.

It is worth mentioning that necessitates a minimum of 90 days of employment for those seeking short-term unsecured loans. This prerequisite excludes individuals without a job.

Following form submission, will execute a soft credit check, which has no impact on your credit score. Subsequently, a compilation of lenders willing to engage with you will be presented.

Please be aware that certain lenders might independently conduct a credit score check. Once you’ve selected your preferred lender, review the offer and proceed to complete a loan application.

In the event a lender extends a loan offer, you can anticipate communication via email, phone, or text. Prior to committing, the option to review the loan terms is at your disposal. Take ample time to scrutinize the lender’s agreement, with a special focus on the Annual Percentage Rate (APR) and associated fees.

Some lenders might present short-term loans with APR values reaching triple or even quadruple digits. Only proceed with accepting the agreement once you are entirely confident in your understanding of the contract’s nuances.

Following agreement acceptance, the funds will be deposited into your account. Commence repayment in accordance with the agreed-upon terms. The formalization of deals generally transpires within minutes, although variations might occur based on the lender.

In situations where no lender extends an offer, may share your contact information with their partners. These partners may then reach out to you, proposing credit repair, debt relief, or comparable arrangements. In such instances, you may opt to explore alternative avenues for obtaining a personal loan with a lower credit score. Requirements

To register and apply for a loan through, you must meet specific eligibility criteria:

  1. You must be at least 18 years of age.
  2. Only citizens and permanent residents of the United States are eligible to apply.
  3. A valid checking account is required.
  4. You need to possess valid home and work phone numbers, as well as an active email address.
  5. Employment for a minimum of 90 days is mandatory, along with meeting the lender’s stipulated minimum income prerequisites.

Notably, the following states are ineligible for services:

  • Oregon
  • Montana
  • Utah
  • Arizona
  • Texas
  • Arkansas
  • Georgia
  • North Carolina
  • West Virginia
  • Maryland
  • Pennsylvania
  • New Jersey
  • New York
  • Connecticut
  • Massachusetts
  • Vermont
  • New Hampshire
  • Maine
  • The District of Columbia

Loan amounts extend from a minimum of $200 to a maximum of $10,000. The repayment period ranges from seven to 356 days, contingent upon the terms established with the lender.

It is emphasized once more that the lender establishes the APR and associated fees for the loan. offers a tool on their website that provides a rudimentary estimate of the APR and repayment amount. However, this estimate serves as a rough approximation. Prior to accepting any offer, diligently review and verify the terms. Summary operates as a legitimate online networking platform, facilitating connections between borrowers and potential lenders. Owned by the Ute Indian Tribe through Hawk LLC, the platform serves as a bridge to access short-term loans without credit score prerequisites. Notably, is a registered member of the Online Lenders Alliance, a self-regulating entity committed to industry best practices.

The application process is fee-free, and users are matched with lenders based on their provided information. Upon selection, the lender presents loan terms, which should be meticulously reviewed before acceptance. While is vigilant in combatting scams, instances of fraudulent activity have been reported, necessitating cautiousness.

Eligibility mandates include being a U.S. citizen or permanent resident, possessing a valid checking account, and meeting employment and income requisites. However, residents of specific states are ineligible for services.

Loan amounts range from $200 to $10,000, with repayment periods spanning from seven to 356 days, dictated by lender agreements. does not set the APR or fees; instead, the lender establishes these terms. A provided APR estimation tool aids users, although actual terms require thorough confirmation.

While vigilance is key due to potential risks, remains a trustworthy option for those seeking short-term loans, fostering transparency and facilitating genuine lending connections.

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