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What Is a Short Term Loan?

A loan given by a direct lender which is a smaller sum of money in comparison to traditional loans and have to be repaid earlier are called short term loans. These loans are given for borrowers to get funded quickly, an advantage that a traditional loan does not provide.

The loan amount is typically repaid over time by consistent payments of principal and interest. Being steady and accountable is of utmost importance with such a loan because short term loan when paid back on a regular basis can protect you from long-term debt.

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Why Choose Short Term Loans?

When you need a small amount of cash, say of a few hundred dollars in order to deal with something at hand immediately, it may not be the best idea for you to approach a conventional lender. This will only slow down the process since their approval procedures take days to complete. With short term loans online from a direct lender like CashAmericaToday, you can receive funds almost immediately, That is because our policies include instant approvals and immediate transfers because of which you will receive funds in no more than 24 hours (depending on the policies of your bank).

Short term loans can be availed near you from a direct lender at a store or online.

What Are the Repayment Terms of a Short Term Loan?

The repayment terms of short term loans depend on the type of loan you opt for. The two major types of short term loans are- Payday and Installment loans. Their repayment terms are as follows:

  • Payday Loans- Payday loans, as the name suggests, require you to pay back your loan on your next pay date. This can be straining for those whose income isn't sufficient enough to be able to give a fairly large part of it to their debtor while also looking at their expenses to get through the month.
  • Installment Loans- Installment loans are meant to be repaid over a couple of months on the days fixed with your lender. These loans are easier to repay since they do not strain your pocket on the due dates. Sometimes it's almost like paying nothing, and you do not have to compromise on other expenses during the month because of this one loan.

Can I Get A Short Term Loan For Bad Credit?

Yes, direct lenders like CashAmericaToday do not ask for your credit score while granting a loan. We understand that a poor credit score can be the result of a faulty repayment in the past, which is why we rely on other factors such as your income statement, which ideally should be a stable one in order to qualify you as a trusted borrower. Our short term loans include no credit checks which makes it fairly easy for most people to avail a loan from us.

How Much Money Can I Avail From A Short Term Loan?

While most online trusted lenders offer loans of a few hundred dollars, CashAmericaToday understands the need for more money when dealing with an emergency, and knows that almost everything today is expensive. That is why, being a considerate short term personal loan lender, we offer funding of up to $1000 which you can avail in the fastest way, without bothering about credit checks, paperwork or collaterals.

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Applying Does NOT Affect Your Credit Score

We are registered with Utah's Department of Financial Institution to provide Consumer Credit. If you submit this application via the internet to us, we will receive and process it the same as if you submitted it to us in person thereby making Utah the place of negotiation, execution and performance of all applications and/or agreement. If we approve your application, the funds will be disbursed from our account in Utah. Utah law governing consumer loan agreements may differ from the laws of the state where you reside. Applicant is responsible for complying with all statutory obligations regarding obtaining loans by internet that may exist in their state of residence. This service may or may not be available in your particular state.

CashAmericaToday does not perform any credit checks through the three major credit bureaus Experian, Equifax or TransUnion. We collect required information regarding debtors' creditworthiness from a third party source.

Approval time depends on the authenticity and verifiability of your documents. You might be requested to provide further information if required. Note that we do not approve all the loan requests. On the basis of state laws and your repayment ability, the terms and rates may vary. Any loan requested on Friday after 6:00 PM CST will be processed on the next business day which is usually Monday- unless it is a holiday.

Should you have any doubts, please call our customer support at (855) 840-5688, Monday-Thursday: 7:00 AM to 4:30 PM (CST) or email to

* I have read and understand the Terms and Conditions & Privacy Policy of this loan. All loans financed by CashAmericaToday