Emergency Cash Loans Online: Choose the Right Type
Emergency cash loans come in more than one form, and the right one depends on how much you need and how you want to repay. We offer three: a payday loan up to $425 with one payment, and installment or personal loans up to $10,000 with monthly payments. Apply online and see the cost before you sign.
Three kinds of cash loans we offer
“Cash loan” is an everyday phrase, not a product name. Behind it sit three different loans, with different limits and different ways to repay.
| Type | How much | How you repay | Cost example | When the money arrives |
|---|---|---|---|---|
| Payday cash loan (cash advance) | Up to $425 | One payment after 14 days; up to 34 days | $15 per $100 repaid; 14-day APR 460.08% | As soon as the same day after approval |
| Installment loan | Up to $10,000 | Equal monthly payments | 36% APR example; depends on your state | The next day after approval |
| Personal loan | Up to $10,000 | Fixed monthly payments | 36% APR example; depends on your state | The next day after approval |
- Approval isn’t guaranteed and depends on income and verification. Rates, limits and terms depend on your state.
Which one fits your situation
The gap ends on payday
A car repair or a bill that comes due a week before your paycheck is what a payday loan is for. Borrow up to $425 and repay once.
You need a few months
If one payment would leave you short again, monthly payments on an installment loan are easier to fit into a budget.
The amount is bigger
Above $425, a payday loan isn’t available. A personal loan reaches $10,000 and is repaid in fixed monthly payments.
Cash loan chooser
Enter an amount and how you would like to repay. The tool shows which type fits and puts an estimated cost for each side by side.
For $300 with one payment, a payday loan fits.
Payday loan
You receive$300
Fee$52.94
You repay$352.94
Installment or personal loan
Monthly payment$55.38
Interest over the term$32.28
You repay in total$332.28
Estimate only: payday at $15 per $100 repaid, installment at a 36% APR example with equal monthly payments. Rates and terms depend on your state, and your exact cost is shown before you sign.
A $500 cash loan, two ways
Our payday maximum is $425, so a $500 cash loan has to be an installment or personal loan. To keep the comparison fair, here is the biggest payday loan next to a $500 installment loan.
The payday loan costs $75.00 for 14 days. Here the installment loan costs less in total and is spread over 6 months, so each payment is smaller — but you are in debt for longer.
| Payday | Installment | |
|---|---|---|
| You receive | $425 | $500 |
| Payments | 1 of $500.00 | 6 of $92.30 |
| Total cost of borrowing | $75.00 | $53.79 |
| You repay in total | $500.00 | $553.79 |
| APR | 460.08% | 36% |
- Installment shown at a 36% APR example over 6 months. Your state may set a different rate; the agreement shows the real one.
How fast can you get an emergency cash loan today?
We give a decision in minutes. A payday loan can reach your checking account as soon as the same day after approval; whether it does depends on when you apply, how quickly your bank posts incoming transfers and whether we need to verify anything first.
Installment and personal loans take a little longer: the money reaches your checking account the next day after approval.
Check before you borrow
- Confirm the lender is licensed in your state. Your state regulator and NMLS Consumer Access list licensees.
- Ask for the total repayment in dollars. Cash loans with hidden or advance fees are a warning sign.
- Ask first whether a payment plan, a credit union loan or 211 could cover the gap (the CFPB explains short-term loan risks).
Cash loans and your credit
We don’t run a hard credit check, only a soft inquiry that doesn’t affect your credit score. We consider applicants with bad or fair credit, and the decision depends mainly on income and your checking account. If you are weighing an urgent need, our emergency loans page walks through the same choices from that angle.
Frequently asked questions
How can I get a same-day emergency cash loan?
Apply online early on a business day with your ID and checking account details ready. A payday loan of up to $425 can arrive as soon as the same day after approval. Installment and personal loans arrive the next day after approval.
What is the smallest cash loan I can get?
You can borrow from $100. The maximum is $425 for a payday loan and $10,000 for an installment or personal loan, depending on your state. The amount, fee and due date appear in your agreement before you sign, and you can stop at any point before then.
Can I get a cash loan with bad credit?
Yes, you can apply. We consider applicants with bad or fair credit, and the decision depends mainly on income and your checking account. Approval isn’t guaranteed.
How is a cash loan different from a cash advance?
A cash advance is the short, single-payment loan, which we also call a payday loan. “Cash loan” is wider: it also covers installment and personal loans that you repay monthly.
Can I get installment cash loans instead of paying everything at once?
Yes. An installment loan of up to $10,000 is repaid in equal monthly payments. The chooser above shows an estimate for a term of 6, 12 or 24 months.
Related: Payday loans · Installment loans · Personal loans · Emergency loans
Not sure which type you need?
Apply online and we will show you what you qualify for, with the full cost, before you sign.