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2021 Quick Fast Loan Rankings

Updated February 25, 2021
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Quick Fast Loans

Quick fast loans are quick, simple loans available to people with all credit types. In some cases up to $25K can be deposited into your checking account often by the next day. People typically borrow much less than this as these loans are expensive. These loans can help in a bind for short-term, emergency funding.

We review bad credit direct lenders based on their reputation, cost, and features. Reputation considers state licensing and Better Business Bureau scores. Cost is based on terms, fees, and rates. Features include things like credit reporting or fee transparency.

Filter rankings by state:
Check Into Cash
$100 - $25,000
Loan amounts
195% - 521%
APRs
All

Credit type ⓘ

Visit Check Into Cash for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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State Licensed Lender
Lender status
$500 - $4,000
Loan amounts
99% - 199%
APRs
All

Credit type ⓘ

Visit OppLoans for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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State Licensed Lender
Lender status
Ace Cash Express
$100 - $2,000
Loan amounts
175% - 1,029%
APRs
All

Credit type ⓘ

Visit Ace Cash Express for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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State Licensed Lender
Lender status
$100 - $2,000
Loan amounts
299% - 456%
APRs
All

Credit type ⓘ

Visit CashNetUSA for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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State Licensed Lender
Lender status
$100 - $500
Loan amounts
155% - 164%
APRs
All

Credit type ⓘ

Visit LendUp for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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State Licensed Lender
Lender status
$100 - $50,000
Loan amounts
168% - 390%
APRs
All

Credit type ⓘ

Visit Cash 1 for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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State Licensed Lender
Lender status
$100 - $5,000
Loan amounts
180% - 740%
APRs
All

Credit type ⓘ

Visit Cash Central for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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State Licensed Lender
Lender status
Advance America
$50 - $25,000
Loan amounts
36% - 664%
APRs
All

Credit type ⓘ

Visit Advance America for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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State Licensed Lender
Lender status
$300 - $5,000
Loan amounts
60% - 299%
APRs
All

Credit type ⓘ

Visit RISE for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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State Licensed Lender
Lender status
$500 - $2,600
Loan amounts
170% - 349%
APRs
All

Credit type ⓘ

Visit Jora for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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State Licensed Lender
Lender status
$100 - $500
Loan amounts
146% - 548%
APRs
All

Credit type ⓘ

Visit Quik Check for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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State Licensed Lender
Lender status
$250 - $5,000
Loan amounts
314% - 662%
APRs
All

Credit type ⓘ

Visit Check 'n Go for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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State Licensed Lender
Lender status
$100 - $1000
Loan amounts
313% - 780%
APRs
All

Credit type ⓘ

Visit Cash Store for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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State Licensed Lender
Lender status
$100 - $2,000
Loan amounts
178% - 680%
APRs
All

Credit type ⓘ

Visit Speedy Cash for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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State Licensed Lender
Lender status
Big Picture Loans
$200 - $3,500
Loan amounts
35% - 699%*
APRs
All

Credit type ⓘ

Visit Big Picture Loans for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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Tribe Based Lender
Lender status
Blue Trust Loans
$100 - $2,500
Loan amounts
782%
APRs
All

Credit type ⓘ

Visit Blue Trust Loans for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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Tribe Based Lender
Lender status
Plain Green Loans
$1,000
Loan amounts
300%
APRs
All

Credit type ⓘ

Visit Plain Green Loans for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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Tribe Based Lender
Lender status
$10 - $2,500
Loan amounts
206.14% - 442.31%
APRs
All

Credit type ⓘ

Visit Mobiloans for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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Tribe Based Lender
Lender status
Cash Advance Now
$300 - $1,500
Loan amounts
725%
APRs
All

Credit type ⓘ

Visit Cash Advance Now for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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Tribe Based Lender
Lender status
$100 to $2,500
Loan amounts
782%
APRs
All

Credit type ⓘ

Visit MaxLend for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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Tribe Based Lender
Lender status
American Web Loan
$300 to $2,500
Loan amounts
None Listed
APRs
All

Credit type ⓘ

Visit American Web Loan for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
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Tribe Based Lender
Lender status
  • Rates and fees vary by state. Not all lenders operate in all states. Check each lender's website for up-to-date information.

What Are Quick Fast Loans

Quick fast loans in the broader sense are loans that are paid back in a defined number of installments. For example, a fixed-rate mortgage is an installment loan. Personal loans, auto loans, and student loans are other examples of these loans. In the current marketplace, fast loans have come to mean short term loans available to individuals with bad or no credit, typically unsecured, and linked to your pay date. We categorize fast loans as loans with a term generally less than 2 years. For loans that have a term greater than 2 years see personal loans Personal loans typically have a 2-5 year term, offer larger loan amounts, but are typically require a better credit profile than fast loans. It is generally easy to get one of these loans but the trade-off is that they are typically very expensive. They are best used to meet unavoidable emergency expense.

These loans are paid back over pre-defined number of periods with a set payment amount. The payment amount is based on the interest rate, payment periods, and loan amount. The borrower then makes a set payment at every period. Each payment consists of interest and principal. Once the borrower has completed all payments the entire loan is paid off.

Secured Or Unsecured

Loans can be secured or unsecured. Secured loans have collateral so, if the borrower fails to repay, the lender can seize the collateral. Secured loans are generally cheaper than unsecured loans. Mortgages and auto title loans are examples of secured loans

The fast loans reviewed here are unsecured loans. No collateral is needed. When a borrower fails to pay back an unsecured loan the lender has no collateral to seize so must rely on attempting to collect on the debt. As a result, the lending decision around unsecured loans depends on evaluating the ability of the borrower to repay the loan. To determine this likelihood of repayment lenders traditionally rely on credit history, expenses, and income.

Quick Fast Loans

The loans listed in this section are paycheck-based loans. Payments for these loans occur on your pay date. Unlike normal unsecured loans, these loans do not consider credit history and instead, are based solely on your employment. To increase the likelihood of being repaid lenders require access to your checking account where you receive your paycheck. On your payday, they deduct your loan payments.

Companies offering paycheck fast loans have made these loans very convenient. They are quick, simple, and do not require good credit. This convenience, flexibility, and availability comes at a cost -- these loans are expensive.

How Quick Fast Loans Work

If fast loans are right for you, the application process can take less than 5 minutes. Typically, the lender requires that you be 18+ years old, employed, and have direct deposit set up with your employer. If approved, cash can be deposited into your account within one business day. This money plus fees must be repaid in full and payments are automatically deducted from your checking account on payday.

If approved the lender will provide a payment plan. For example, $1,000 could have a repayment plan with a ~$125 payment every pay period (14 days) over the next 24 pay periods. In the end ~$1,000 costs ~$2,400. This is cheaper than what you would have to pay if you took out a payday loan for the same time frame, but clearly not cheap so make sure you really need this loan. See borrow money options for other ideas such as delaying the expense or getting help from a friend.

Licensed Versus Unlicensed Lenders

Quick fast loans can be regulated by both federal and state laws. Federal regulations are generally less stringent and less enforced than state regulations. Lenders licensed in your state are regulated and monitored by your state so are more closely regulated. To become state licensed, lenders generally must apply, register, and remain compliant in every state in which they operate. Each state has a separate process so the licensing process can be expensive and time consuming. As a result, state-licensed lenders are generally not fly-by-night entities. Instead, they are usually larger more permanent companies.

Unlicensed fast loans operate in states under the assumption they can export laws from their state or tribe into other states. Tribes refer to formally recognized American Indian Tribes that are generally treated as separate federal entities and operate under their own laws. Tribal lenders were very common with tribes partnering with financing partners. The tribes contribute their legal status and the financing partner provides the capital and operations. Over the years the position that tribes or states could export their laws into other states has been challenged and resulted in many tribal lenders closing down but recently there has been a resurgence in the growth of tribal-based lenders. We believe in transparent markets, fair regulations, and consumer choice. To the extent, the existence of tribal lenders provides more choice this is a good thing. The creation of the self-regulating Native American Financial Services Association (NAFSA) is also a good thing. We'd like to see continued transparency and enforcement to create safer choices for borrowers. For more information see Payday Loan Laws

Direct Lenders Versus Matching Service

There are different ways to apply to lenders that offer fast loans. There are direct and matching services. Direct lenders underwrite and lend money. Many sites will advertise fast loans and even take an application, but they are not lenders. Instead, they are matching services representing a network of lenders. These sites sell your information on to actual actual direct lenders who then make loans. In some cases direct lenders may pass your information along if they are unable to make a loan to you. One can distinguish direct lenders from matching services by looking at the fine print of most websites. Matching services will say something like, "the operator of this website is NOT A LENDER." Direct lenders will not include this disclaimer.

The main advantage of using a matching service is that only one application is required to apply to multiple lenders. This can save time and effort as each application can take 5 to 15 minutes to complete. The downside to matching services is you are unable to pick the lenders. This means the lenders may include unlicensed lenders as well as licensed lenders. We prefer state-licensed lenders. In addition, matching services generally will sell your loan application to the highest bidder not to the bidder who gives you the best terms. If you use a matching service, once you are offered a loan, make sure you are comfortable with your lender and the terms.

Whether you use a matching service or a direct lender there is a high likelihood that your data will end up with other lenders. An article on the NPR blog recounts a story where after applying to a matching service (with fake data) the author received calls months later from possible lenders. We generally do not see anything wrong with a matching service in concept but one should be aware of how the services work. For more information see Direct Lenders or Matching Services

Installment Versus Payday Loans

Installment loan payments are spread out over time while payday loans are due at your next pay period. Spreading payments out reduces the amount of individual payments and APR but the total fees paid increases. See Payday Loans or Term Loans for more information. Many consumers prefer fast loans because paying the entire loan at your next pay period, as payday loans require, is often too difficult or impossible and renewing payday loans becomes extremely expensive.

Related terms are fast cash loan and fast loan.

Quick Fast Loans by State

Quick fast loans are state regulated. Select your state below to find available lenders in your state.

The original Doshound quick fast loan ranking was published on