Borrow Money Online — Up to $10,000
Need to borrow money and not sure where to start? Compare the common ways to borrow, from a credit union to a card cash advance, and see what each one costs. If you decide to borrow from us, you can apply online for up to $10,000.
Where to borrow: compare your options for any amount
Slide to the amount you need. The table shows which sources fit it and what each usually costs.
| Source | Available at this amount? | Typical speed | Typical cost |
|---|---|---|---|
| Credit union loan | Yes, if you are a member | Varies by credit union | Often lower than online lenders. Federal credit union payday alternative loans are capped at 28% APR |
| Credit card cash advance | Up to your card’s cash advance limit | Usually immediate at an ATM or bank | Usually a 3% to 5% fee plus interest from day one |
| Cash advance app | Often, for small amounts | Free transfers can take a few days; faster for a fee | Membership, tips or fees for instant transfers |
| Our cash advance | No | Decision in minutes; money as soon as the same day after approval | Limit is $425 |
| Our installment or personal loan | Yes, depending on your state | The next day after approval | About $50.23 a month over 12 months at a 36% APR example rate |
| Family or friends | Depends on who you ask | As fast as they agree | Often nothing, but agree the terms in writing |
- Third-party costs are general ranges, not quotes. Our figures are examples: rates and terms depend on your state, and your exact cost is shown before you sign. See the NCUA for credit union loan rules.
Borrow money from us
We offer two kinds of loans online. Choose by amount and by how you want to repay.
Cash advance, up to $425
One payment on your next payday. The fee is $15 for every $100 you repay, shown in dollars and APR before you sign. Read more on our payday loans page.
Installment or personal loan, up to $10,000
Equal monthly payments over several months, with an example rate of 36% APR. See our installment loans and personal loans pages for calculators.
- ApplyFill in the online form in a few minutes.
- Soft checkWe review your application without a hard inquiry.
- Review termsRead the amount, cost and due dates. Sign only if they work for you.
- Get fundedAfter approval, the money goes to your checking account.
What it costs to borrow $500 or $2,000
If you want to borrow $500 and spread it out, an installment loan at the 36% example rate looks like this.
| Amount | Term | Monthly payment | Total interest |
|---|---|---|---|
| $500 | 6 months | $92.30 | $53.79 |
| $2,000 | 12 months | $200.92 | $411.09 |
- Examples only. Available amounts, rates and terms depend on your state, and the agreement shows your exact cost.
Borrowing money with bad credit
A low score does not rule you out with us. We consider applicants with bad or fair credit, and the decision depends mainly on your income and your checking account.
If you want a loan without a hard credit check, note that we use a soft inquiry instead of a hard one. It does not affect your score. Approval is not guaranteed, and every application is verified. More on our bad credit loans page.
What you need to apply
- At least 19 years old
- Current employment for at least 6 months — current working income (SSI, disability and retirement income are not accepted)
- An open and active checking account for at least 3 months
- A valid Nebraska state-issued ID (driver’s license)
- Your most recent paystub, your last 30 days of banking history and valid checks (no starter checks)
“Borrow from your paycheck”: three different things
The phrase covers products that work differently, so check which one you are being offered.
Employer advance
Your employer pays part of your wages early and takes it from a later paycheck. Ask your payroll or HR team whether there is a fee and how the repayment is taken.
Pay advance app
An app advances a small amount against expected pay. There may be no interest, but instant delivery, tips or a membership can add up.
Payday loan
A lender advances cash and you repay it on your next payday with a flat fee. It is not tied to your employer and it costs more than the other two.
Checklist before you borrow
- Borrow the least you needEvery extra dollar adds cost.
- Look at the totalCompare the dollar cost, not only the monthly payment.
- Check the due datesMake sure each payment fits the days you get paid.
- Ask what a late payment costsRead the fee and the consequences in the agreement.
Check the lender too. Look up its license with your state’s financial regulator, never pay a fee before you receive a loan, and walk away from anyone who promises approval before you apply. The CFPB publishes borrower guides, and a credit union or a payment plan with the company you owe may cost less than any loan.
Frequently asked questions
Where can I borrow money fast?
Online lenders and cash advance apps tend to be quicker than banks. With us, you apply on our website, get a decision in minutes on a cash advance of up to $425, and the money can arrive as soon as the same day after approval.
Where can I borrow money fast with bad credit?
Look at lenders that decide on income rather than on your score alone. We consider applicants with bad or fair credit, and a credit union payday alternative loan is another low-cost option if you are a member.
How can I borrow money right away?
Nobody can honestly promise to let you borrow money instantly, but online is the fastest route. Choose the product that matches the amount, apply online and keep your ID and bank details ready. Speed also depends on your bank, so a transfer may not be instant even after approval.
Do I need a credit check to borrow money?
Most lenders check something. We do not run a hard credit check. We use a soft inquiry that does not affect your credit score, together with a review of your income and checking account.
Related: Installment loans · Personal loans · Payday loans · Bad credit loans
Ready to borrow?
Apply online in minutes with a soft check. You see the full cost before you sign.