Check information about the best quick loans you can find in North America. From online fast loans, to installment loans or secured loans, and even bad credit loans or loans with no check credit, for those who do not have a score or have a very low one.


Quick loans list: request urgent money


LendYou

LendYou

  • Loan amount: between $ 100 and $ 35,000
  • Term: between 7 days and 12 months
  • Extra: Interest rate between 6.63% and 485% APR
    Address: 1125 E. Broadway #545, Glendale, CA 9120
Buddy Loan

Buddy Loan

  • Loan amount: between $ 200 and $ 50,000
  • Term: between 15 days and 120 months
  • Extra: Préstamos rápidos online hasta $50,000
MrFinan

MrFinan

  • Loan amount: between $ 500 and $ 50,000
  • Term: between 15 days and 120 months
  • Extra: Fast loans up to $50,000 for whatever you want.
    Interest rates from 6% to 439% APR
    Finansi Group SL - Calle de las Barcas 2 Piso 2, 46002, Valencia
CashUSA.com

CashUSA.com

  • Loan amount: between $ 500 and $ 10,000
  • Term: between 3 and 1728 months
  • Extra: Fast online loans even with bad credit.
    Interest rates between 5.99% and 35.99% APR
    3315 E Russel Rd Ste A-4 Box #105, Las Vegas, NV 89120
Bad Credit Loans

Bad Credit Loans

  • Loan amount: between $ 500 and $ 10,000
  • Term: between 3 and 36 months
  • Extra: Interest rates between 5.99% and 35.99% APR
    Address: Chief LLC, 2661 N Pearl St #431 - Tacoma, WA 98407
Personal Loans

Personal Loans

  • Loan amount: between $ 1,000 and $ 35,000
  • Term: between 3 and 720 months
  • Extra: Interest rate from 5.99% to 35.89% APR
    Address: 278 EAST 1875 SOUTH Roosevelt, UT 84066
Ace Cash Express

Ace Cash Express

  • Loan amount: between $ 50 and $ 2,500
  • Term: between 7 days and 12 months
  • Extra: Fast loans online and offline, even with bad credit.
    Interest rate starting at 83% APR.
    Address: 300 E. John Carpenter Fwy, Ste. 900, Irving, Texas, 75062
24/7 Credit Now

24/7 Credit Now

  • Loan amount: between $ 1,000 and $ 35,000
  • Term: between 6 and 72 months
  • Extra: Interest rate from 5.99% to 35.99% APR - 216 E 4th St, Austin, TX 78701
Grupo Estrella Cash

Grupo Estrella Cash

  • Loan amount: between $ 300 and $ 5,000
  • Term: between 14 days and 12 months
  • Extra: Consult with the entity the interest rate and the APR
    Address: 2929 Floyd Street, Burbank 91504 CA
FundsJoy

FundsJoy

  • Loan amount: between $ 200 and $ 5,000
  • Term: between 7 days and 12 months
  • Extra: Interest rate between 4.99% and 450% APR
    Address: 1041 4th Avenue, Suite 302, Oakland, CA 94606
LoansAngel

LoansAngel

  • Loan amount: between $ 100 and $ 5,000
  • Term: between 1 days and 12 months
  • Extra: Interest rate between 4.99% and 450% APR
    Address: 1041 4th Avenue, Suite 302, Oakland, CA 94606
OneMain Financial

OneMain Financial

  • Loan amount: between $ 1,500 and $ 20,000
  • Term: between 24 and 60 months
  • Extra: Fast online and offline loans, also secured
    Interest rate from 18% to 35,99% APR
    Address: OneMain Holdings, Inc. 601 N.W. Second Street Evansville, IN 47708-1013
LoanSolo

LoanSolo

  • Loan amount: between $ 200 and $ 5,000
  • Term: between 14 days and 24 months
  • Extra: Interest rate between 4.99% and 450% APR
    Address: 1041 4th Avenue, Suite 302, Oakland, CA 94606
Regional Finance

Regional Finance

  • Loan amount: between $ 500 and $ 12,000
  • Term: between 24 and 60 months
  • Extra: Secured personal loans up to $12,000
    Interest rates from 24% to 35,99% APR
    Address: Regional Management Corp. 979 Batesville Road, Suite B Greer, SC 29651
MaximusMoney

MaximusMoney

  • Loan amount: between $ 200 and $ 5,000
  • Term: between 1 days and 12 months
  • Extra: Interest rate between 4.99% and 450% APR
    Address: 1041 4th Avenue, Suite 302, Oakland, CA 94606
Mariner Finance

Mariner Finance

  • Loan amount: between $ 1,000 and $ 25,000
  • Term: between 12 and 60 months
  • Extra: Quick cash loans, mortgages and auto loans.
    Interest rates from 16% to 35,99% APR
    Address: Mariner Finance, LLC. - 8211 Town Center Drive, Nottingham, MD 21236
 Greenlightcash

Greenlightcash

  • Loan amount: between $ 100 and $ 5,000
  • Term: between 7 days and 12 months
  • Extra: Interest rate between 4.99% and 450% APR
    Address: 1041 4th Avenue, Suite 302, Oakland, CA 94606
Zoca Loans

Zoca Loans

  • Loan amount: between $ 200 and $ 1,500
  • Term: between 7 days and 6 months
  • Extra: Online personal loans with no credit check.
    Interest rate up to 795% APR
    Dirección: Rosebud Lending LZO PO Box 1147 - 27565 Research Park Dr. - Mission, SD 57555
Maxlend

Maxlend

  • Loan amount: between $ 100 and $ 3,000
  • Term: between 7 days and 9 months
  • Extra: Interest rate between 471% and 841% APR
    Address: P.O. Box 760 | Parshall, ND 58770
Opploans

Opploans

  • Loan amount: between $ 500 and $ 4,000
  • Term: between 30 days and 24 months
  • Extra: Interest rate between 59% and 160% APR
    Address: 130 E Randolph St - Suite 3400 - Chicago, IL 60601
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Updated

In the United States, it is possible to find a wide variety of ways to obtain money for various purposes, from buying a home to reunifying debts or paying fines, through financing trips, buying a car or starting a business. 

Depending on the destination that is going to be given to the capital, the amount necessary and the term you require to return it, you can choose between mortgages, personal loans, credit cards or fast loans.

In this comparison, we analyze the best quick cash loans that you can contract in the USA, and we tell you all the details, so you can easily understand the details of each product so as not to get unpleasant surprises.

What are quick cash loans?

This is the name given to fast money personal loans that you can request through the Internet, either by accessing the lender's website or using its smartphone application, or at the physical stores that the lenders have throughout the United States.

Quick Cash Loans

It is common in this type of financing that they have lower requirements than bank loans, in addition to shorter contracting times, it is even possible to receive the money the same day, and in many cases in cash.

It is also common that it is not necessary to carry out any type of paperwork to process quick loans, being able to send the little documentation that they request through the Internet.

Normally, they tend to have smaller amounts than the personal loans offered by traditional credit institutions, and the terms are not usually as high.

What types of quick loans exist?

Within the quick credits, we can also find various modalities that we will detail below:

Payday Loans

They are the smallest amount, below $1,000 dollars, and very short terms that can range from a few days to one or two months at most. The requirements are minimal, even not having to justify regular income or having a low credit score.

Its name, Payday Loans, comes from the fact that at the beginning these loans were linked to the day of collection of the borrower's salary, so the amount borrowed plus fees was automatically deducted from the payroll.

Nowadays, however, there are many lenders that no longer carry out this practice and it is the money applicant who must worry about making the payment manually or direct debiting it into their checking account or their debit or credit card.

Installment Loans

In the case of needing a larger amount of money and a longer term to return it, we can find installment loans. It is an intermediate version between payday loans and personal bank loans.

The amounts that you can get with this type of quick credit can exceed $10,000 USD and the terms even reach 5 years. Its requirements are a little stricter than with mini-loans and the application process may take a little longer, although it is usual to be able to have the money in 24 or 48 hours, if there are no holidays involved.

Car Title Loans

Your car can serve as collateral to get a quick loan on fairly favorable conditions. Through these credits for your car title you can obtain financing for what you want without having to stop driving your vehicle.

With this modality you can have greater amounts of money, always depending on the value of your car and its age. Normally, you will be able to obtain a loan if your car does not exceed 5 or 6 years since it was registered.

They should not be confused with car loans, which are used to buy a vehicle or refinance your current car credit.

Bad Credit Loans

Quick LoansWithin this type of financing you can find loans of any of the above types. In this case we are talking about products that are more permissive with your credit score, being able to contract them even if you do not yet have a credit history started or even if you have it but your score is low.

Of course, in order to obtain this type of loan, you will surely have to provide some additional guarantee or pay higher fees, in the form of interest and commissions.

The advantage of these bad credit loans is that you can start or improve your credit score in order to access other cheaper forms of financing.

How to compare between quick loans?

When you resort to this type of method to obtain money, it is because you cannot obtain it in another way, either in banks or traditional financial entities or among friends and family.

So, what you should do first of all is to know the credit institutions that allow you to avail quick money loans. In this comparator you can find information about the best online and in-store lenders, so that you know all the details and can choose more easily.

These are the main aspects that you should look at in order to compare between several fast loans:

  • Availability in your state. Not all lenders offer service in all states of the Union. Make sure beforehand that the entities you are going to compare can lend you money in the state in which you reside. In addition, some of them have physical offices where you can get cash, in case you have one nearby.
  • Amount and term. The entity you choose must allow you to request the amount you need. Many have a lower limit for new customers, which increases if you pay off previous loans. The term will influence the amount of the monthly, weekly or fortnightly installment, but also the amount of interest.
  • Interest and commissions. The fees applied by the credit institution will make your loan cost more or less. It is a very important factor when comparing, since you can save a lot of money if you choose well.
  • Requirements. Being of legal age, residing legally in the USA and having an identification document is something that everyone will ask you for. From there, they may ask you to have regular income, have a certain credit score, etc.
  • Payment facilities. Going to one of its offices or a bank branch to pay in cash, make a transfer, pay by card online or go to one of the store chains that offer these payment services, such as Walmart or Seven Eleven.
  • Extensions. The possibility of being able to defer the payment of a fee or request more time to return the money is something that can come in handy if you have financial difficulties. The total cost of the fast loan will increase, but you will have the possibility of repaying it in a more comfortable way and without incurring extra costs for delay.

What requirements do fast loans demand?

It will depend on the financial institution that offers you the money, which may require more or less conditions. These are the most frequent requirements:

  • Be of age. The law prevents the marketing of financial products to those under 18 years of age.
  • Reside legally in the USA. Only if you have US nationality or if you have a valid residence permit can you access legal financing mechanisms.
  • Have a valid official identity document. Such as a car driver's license, a state ID or a military ID.
  • SSN or ITIN. Have a social security number or personal taxpayer identification number.

These are the basic requirements that all financial companies will ask you to be able to have a quick money loan. Below you can see others that, depending on the entity, may or may not request you:

  • Have income. You must justify that you have a payroll, a pension or that you have regular income of another type.
  • Have a credit history. To do this, you must have previously requested financial products that have generated notes in your history. As we have mentioned before, there are entities that will not ask you for this requirement.
  • Have a good credit score. Although some lenders allow you to have a low score, others won't give you the money if your credit score doesn't meet a minimum.

Cautions when using quick loans

These financial products are intended to provide money to those individuals or families who cannot access bank personal loans, which are usually cheaper, but also more demanding with the requirements to be met by applicants.

To cover the higher risk assumed by lenders, the conditions are less favorable, including higher fees and higher interest rates.

Therefore, from Busconómico we always recommend not to abuse quick loans, and to follow the following precautions:

  • Use them only for specific cases of need.
  • Always ask only for the amount you need.
  • Compare several options before applying.
  • Make sure that we will be able to pay it back on time, so as not to incur penalties for late payment.

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