PaydayNow short term loans near you and lines of credit offer money with more time to repay.
PaydayNow can help with short-term funding.
When funding needs like emergency home and car repairs arise, people often look to short-term loans such as 30-day loans or 90-day loans to help. They might not think of how an installment loan or line of credit can cover the same expenses. PaydayNow personal installment loans and lines of credit can both be used for emergency short-term funding.
Up to $10,000*
Lump sum of funds up front
Ideal for immediate expenses
Unsecured (no collateral required)
Repay over 6 months – 5 years
Up to $4,500
Revolving access to funds
Ideal for emergency expenses as they arise
Unsecured (no collateral required)
Repayments based on what you borrowed
The application process is designed for speed, so you don’t have to offer up any collateral and, if approved, requested funds are typically deposited the next business day or sooner.
When you apply with PaydayNow, advanced algorithms look at your broader financial picture rather than just your credit score.
Pay it back on a schedule that works for you.
If approved for a personal loan, you can choose a payment schedule that works best for you — and you can repay the loan early with no prepayment fees to save on interest. With either lending product, you can pay back more each billing period, so long as your minimum payment amount is met.
PaydayNow and our lending partner, Republic Bank & Trust Company, Member FDIC, offer personal loans up to $10,000* and lines of credit up to $4,500.
Depending on your application and the state where you live, you might qualify for one or both of our lending products. Head to the Rates & Terms for more details and to learn what is offered in your state.
See how much you can borrow in minutes with a secure application.
Choose what you want and see if the available amounts and terms work for you.
If approved, requested funds are typically deposited the next business day or sooner.
See how a PaydayNow customer can use a loan for short-term expenses.
Joyce has an urgent home repair to make, so she decides to look for a short-term loan to cover the cost.
Joyce goes online and finds PaydayNow. A PaydayNow personal loan could help her receive the money she needs and give her more time to pay it back compared to a short-term loan.
Joyce applies and learns that she is eligible for a personal loan within minutes. From the range she’s offered, she is able to customize the amount and term length to best fit her needs.
Joyce signs her contract. Because she submitted her application before 7 a.m. CT and was approved before 9:30 a.m. on a weekday, she receives her funds later that day!
Payday loans and credit card cash advances are the most common types of personal short-term loans. With those, a customer receives a lump sum of money and the funds are typically repaid upon the customer’s next payday (or within a few months).
Some customers may also choose to overdraft their bank account. While not technically a loan, bank overdrafts typically come with high fees, which can make a term loan a better option in some cases.
It can be. Lines of credit can give you the comfort of having funds available for use when you need them most, so you don’t have to worry about re-applying. You can simply request a draw and have the funds in your checking account the next business day or sooner.
That depends. Our technology looks at more than just your credit score, which allows approval for people who have difficulty securing traditional forms of credit.
Short-term lenders generally don’t report payment history to the major credit bureaus. With a PaydayNow personal loan or line of credit, payment history is reported to two major credit bureaus: Experian and TransUnion. This means that on-time payments may help borrowers build credit history.
PaydayNow offers flexible payment options, so you can repay in full as early as you wish — without any fees or penalties. You can also set up electronic fund transfer (EFT) as a recurring payment option so you never have to worry about forgetting a due date. To learn more about our repayment options, visit our FAQ page.
types of loans
credit card cash advanc
short term personal loan