6 Best Cash Loans Near Me (June 2023)

Cash Loans Near Me

Just about every city and town has a money lender. It may be a bank or credit union, but there’s usually somewhere to get a loan. Still, not everyone meets a traditional bank’s loan qualifications, and approval can take several days.

If you have financial mistakes in your past, you may quickly exhaust all your local options and be left wondering, “Where can I find cash loans near me?”

After examining several lending marketplaces, we found the best online lenders who service all 50 states and provide bad credit loans with quick cash payouts. Read on for our top picks for short-term loans, installment loans, loans for bad credit, small loans, large loans, and even cash advance options. We’ll also address some common questions surrounding this issue.

Short-Term | Installment | Bad Credit | Small Amounts | Large Amounts | Cash Advance

Best Short-Term Cash Loan Near Me

MoneyMutual shops your single loan application to all its partner lenders and could return seconds later with multiple loan offers for you to choose from. The company doesn’t accept applications from borrowers in New York, but its lending partners provide loans of up to $2,500 to consumers who live everywhere else in the country.

  • Short-term loans up to $5,000
  • Online marketplace of lenders
  • Funds available in as few as 24 hours
  • Simple online form takes less than 5 minutes
  • Trusted by more than 2 million customers
  • See official site, terms, and details.


Overall Rating

Loan Amount Interest Rate Loan Term Loan Example
Up to $5,000 Varies Varies

See representative example

Most lenders can deposit your funds into a linked checking or savings account within 24 hours, which means you’ll have your money fast in the case of an emergency or unexpected bill. The online application takes less than five minutes to complete and you’ll receive a near-instant loan decision from the platform. Rates vary by lender and loan amount.

Best Installment Cash Loan Near Me

With CashUSA.com, approved applicants can borrow as little as $500 or as much as $10,000. The network partners with many lenders that accept applicants from borrowers who have all types of credit backgrounds. Interest rates start as low as 5.99% with loan terms as long as 72 months.

Since the network partners with several lenders, each potential loan offer you receive will have different terms. Before you accept a loan, make sure you understand the interest rate, loan length, and total cost of the credit you’re offered.

Best Bad Credit Cash Loan Near Me

For more than 20 years, BadCreditLoans.com has lived up to its name by providing cash loans to consumers who have less-than-perfect credit profiles. The network’s partner lenders offer loans from $500 up to $5,000 with flexible repayment plans that range from three to 60 months. Most lenders can deposit loan funds to a linked checking or savings account within 24 hours.

Depending on your credit score and application status, you could qualify for a loan with an interest rate as low as 5.99%. Not all applicants qualify for the lowest rate, and each lender in the network sets their own terms within each loan offer.

Best Small Cash Loan Near Me

Not everyone needs a large loan or wants the responsibility that comes with repaying a large sum of money. If you only need a small amount of quick cash to pay a bill or cover an unexpected expense, CreditLoan offers loans as small as $250 up to $5,000. The network’s lending partners have served more than 750,000 customers over the last two decades and specialize in working with applicants who have bad credit.

CreditLoan provides an easy-to-complete application and provides loan decisions within minutes. The network’s partner lenders can disburse funds as soon as the next business day to approved and verified checking accounts.

Best Large Cash Loan Near Me

Other times, a small loan won’t cut it. If you need a larger sum of cash and you can’t turn to your local bank or credit union, PersonalLoans.com may be your saving grace. This large lending network serves all 50 states and provides loans of up to $35,000 with next-day funding. And with loan terms as long as 72 months, you’ll have plenty of time to pay off your loan.

Not every applicant will qualify for a loan of $35,000. Depending on your credit history and current debt load, you may receive smaller loan offers with varying terms. Keep in mind that when you extend a loan as long as 72 months, you’ll end up paying much more interest than if you were to pay the loan off sooner.

Best Cash Advance Loan Near Me

CashAdvance.com offers fast cash loans between $100 and $1,000 to tide you over until your next payday. Qualified applicants must provide proof of employment with at least 90 days on the job and have a minimum monthly income of $1,000. Loan decisions happen in minutes and lenders can deposit funds in as little as 24 hours.

Remember that short-term cash advance loans often come with very high interest rates. Never accept one of these loans without knowing you can pay it off on time. Otherwise, the 200% to 2,290% interest can make these loans astronomically expensive over the long term.

Where Can I Borrow Money ASAP?

The internet makes just about everything faster — and that includes the loan application process. Some personal loans can take weeks to finalize, depending on your in-person lender. That’s not the case with most online lending marketplaces.

Each network includes a host of partner lenders that provide easy applications, quick loan decisions, and funds distribution within 24 hours. That means you can easily connect with a lender on the other side of the country and have your loan approved, completed, and funded by the next business day.

You simply can’t match that speed with most banks and credit unions. And, since so many of these lending networks want your business, you could potentially leverage that competition to get the best deal possible, regardless of your credit score.

That’s because many online lenders specialize in extending second chance loans to consumers who have bad credit scores. While these loans often come with higher interest rates and stricter terms, they’re still more affordable — and accessible — than traditional lenders who often shy away from extending such offers.

And, as this form of lending continues to grow, more and more consumers are shying away from local institutions and turning to lending marketplaces where they can potentially receive multiple loan offers instead of depending on one offer from a bank.

How Can I Get a Cash Loan with Bad Credit?

Years ago, consumers who needed a loan dressed up, headed down to the local bank or credit union and hoped to be approved. The internet has changed this entire process over the last decade.

Today, you can apply for a loan without getting out of bed and have the money in your account in a day or less. Since most lending networks provide loans to all 50 states, you don’t have to worry about your location affecting your application status.

With so many Americans looking for loans, these lending networks often experience very high demand. But with so many lenders now living on the internet, competition has made it easier than ever for consumers who have bad credit to get the loan they need.

Photo of a man filling out an online loan application

Online loan marketplaces simplify finding a loan by shopping your single application to multiple lenders within its network. If matched with one or more lenders, you’ll be redirected to the website of the lender of your choosing to complete the application and approval process.

Through these lending marketplaces, you fill out one preliminary application and the network shops your application to all of its partner lenders. Depending on your qualifications, the network could return multiple loan offers from its various partner lenders within minutes.

And, since each offer comes from a unique lender, you’ll likely notice different terms on each loan. Some may offer lower origination fees while others may have varying interest rates. Before you accept a loan, be certain you understand how much the loan will cost you and how much time you have to pay it off.

The lender will send the funds electronically to your linked checking or savings account upon approval. This often happens in less than 24 hours. You may be required to make automatic payments to the lender using that same account.

How Do I Know if a Loan Company is Legitimate?

In this day and age of online swindling, it’s perfectly normal to wonder if an online lender is legitimate. Thankfully, there’s a checklist of items you can go through to screen any lender you decide to do business with.

  • Make sure your lender has an online presence. Any legitimate financial institution today has some sort of website or online portal. If you’re talking with a lender that’s not online, you should proceed with caution.
  • Check your lender’s rating with the Better Business Bureau. Again, if you can’t find the lender in the listings, or they have no reviews, you may want to dig a little deeper before giving them any more information.
  • A legitimate loan company won’t ask for your online bank login credentials. A lender may ask you for certain bank information to verify the account it can deposit funds into — but no lender will ask for your login details to check your account status.

If you still aren’t sure, or you just want a little more peace of mind, you can check with your state’s Attorney General’s office to inquire about the licensure of any lender you’re considering. Clerks in these offices typically respond quickly to questions and can provide more details about any company you’re considering.

Get Fast Funding with a Nationwide Lender Network

You no longer have to dress yourself up and march down to your bank or credit union to apply for a loan. Thanks to modern technology, you can use an online lending marketplace, including those listed above, and apply for a loan while you’re in your dining room having breakfast.

Depending on the lender and your qualifications, you could have the money in your bank account before you go to bed that night. And since there’s so much competition within the online lending space, you can potentially receive multiple loan offers — and sift through those offers to find the one that’s best for you.

These lenders often work with consumers who have all kinds of credit histories, and most operate within all 50 states. That’s why they’re almost always our answer when we’re asked, “What are the best cash loans near me?”

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