Quick Fast Loans

Updated November 11, 2018

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Looking for a quick fast loan? How do you determine what is best for you? There are many options to get cash into your checking account over night. They vary by price, term, and security. We review five different options and provide the pricing, terms, and examples for when they might be best used.

Five Top Loan Options

Our research found five types of quick fast loans. We define fast cash loans as loans that provide cash in less than 24 hours and are repaid in 14 days. We then evaluated these five types of loans based on cost and lender requirements. The result of our analysis is that overdrawing your checking account is the most expensive option while taking out a credit card cash advance is the least expensive. The options that fall in between are pawn loans, payday loans, and title loans. Pawn and title loans require collateral such as a paid-off vehicle. Payday loans do not require collateral but do require a checking account and a job. The following chart summarizes the five types of quick fast loans. We includes estimated costs and lender requirements for each type of fast loan.

Cost Comparison Chart for Loans

The following sections describe each loan option in more detail and for whom each option is a good pick.

Option 1: Credit Card Cash Advances

Credit card cash advances are the lowest cost option but require that you have a credit card with available cash credit limit. They are not a good quick fast loan option if you do not have an existing credit card, as it takes at least 10-14 days to apply and receive a card.

Option 2: Pawn Loans

Pawn loans are the second lowest cost option. To get a pawn loan, you need collateral, which means that if you are unable to pay your loan and interest back, you risk losing an item worth more than the loan you took out. Pawn loans are not the best choice if you do not have any items to pawn.

Since pawn loans require turning in your collateral items, they are generally done in person in a pawnshop. Aside from the local pawnshops near you, you can locate stores of larger chains, such as Cash America, through their online store locator.

Option 3: Payday Loans

Payday loans are the third lowest cost option. They do not require collateral or a credit card, making them the best quick fast loan option if you have poor or no credit, do not have a credit card, need a loan for more than a week, or are not willing to provide collateral. Payday lenders do require a steady source of income and a checking account with direct-deposited paychecks.

If you meet the requirements for a payday loan, our top picks are Check into Cash, Ace Cash Advance, or Check City. For loans more than three months, our choice is installment loans. These loans are also underwritten based on your paycheck and have the same requirements as payday loans but have a longer payment term. Our most popular installment loan lender is Net Credit.

Option 4: Title Loans

Title loans were the second most expensive options for quik cash loans. To take out a title loan, you must own a vehicle that has been fully paid off and with a value more than the loan you are borrowing. While you can use your car when you take out your loan, your car will be used as collateral, and if you do not pay off your loan, you risk losing your car to the lender. Title loans are better for larger loan amounts generally over $1,500 and to meet longer term needs. Most of the time, payment periods are a month or more, meaning your loan is subject to monthly interest rates even if you repay your loan earlier. In addition, there is a state titling fee.

If you meet the requirements, are unable to take out other long term loans, need a larger loan for more than a month, then title loans are a viable option. Consider 1-800LoanMart or one of its partners to see if title loans are right for you.

Option 5: Overdrafts

While not an obvious option, overdrawing your checking account is much like taking a quick fast loan from your bank account. Due to high overdraft fees, this was our highest cost option. If you do plan to overdraft, we found that costs can be greatly reduced if you overdraft no more than one check at a time and do not exceed the number of days your bank has set before it starts charging overdraft extension fees. Bank of America, for example, charges $35 for one overdraft and another $35 if your negative balance is not paid within 5 consecutive days.

If you do not have a checking account and are interested in signing up for one, we like USAA (especially if you are a military personnel, but also if you are a non-military personnel) for its lack of monthly service fees and free nationwide ATM withdrawals from any other banks (limited to the first 10 transactions). If you’d prefer something more mainstream, try PNC Bank’s Free Checking product for its lack of monthly fees, debit card fees, minimum balance, and direct deposit requirements.

Installment Loan Lenders

The Payday Hound reviews installment lenders and ranks them according to our Sniff Test (reputation), costs, and licensing. To see lenders in your state select your state from the table above.

Company Name Description Costs* Sniff Rating
Ace Cash Express
Large online established lender. A+ BBB Score.
Multiple loan options. Physical store fronts too.
Governing Law: TX
APR: 398%
Amount: $200-$2K
Payments: 1-5
Freq: bi-weekly
Cost: $31 - $1K
Great
CashNetUSA
Large, publicly traded online lender.
Use promo code: NEWCASH25 to save 25%
Governing Law: State Lic.
APR: 388.93%
Amount: $300-$2,000
Payments: 7-15
Freq: monthly
Cost: $492 - $7.9K
Great
Net Credit
Rates based on amount and eligibility. Bad credit OK.
Build credit with timely payments. $1k-$10K.
Governing Law: State Lic.
APR: 35% - 210%
Amount: $1k - $10K
Payments: 36 - 130
Freq: bi-weekly
Cost: $300 - $11K
Great
Cash Central
Discounts for repeat customers. Live chat.
B BBB rating. Bad credit okay.
Governing Law: State Lic.
APR: 150% - 240%
Amount: $1K-$5K
Payments: 39-52
Freq: bi-weekly
Cost: $3K - $11K
Great
OppLoans
Competitive rates based on amount and eligibility.
Loans from $1K-$10K. Bad Credit is OK.
Governing Law: State Lic.
APR: 59% - 199%
Amount: $1K-$10K
Payments: 9-36
Freq: bi-weekly
Cost: $4,742-$10,237
Great
RISE
Military members not eligible.
Money back guarantee.
Governing Law: State Lic.
APR: 125% - 364%
Amount: $100 - $5K
Payments: 8 - 50
Freq: bi-weekly
Cost: $72 - $13.2k
Great
Avant
Charges upfront admin fee.
Reports to credit bureaus.
Governing Law: State Lic.
APR: varies
Amount: varies
Payments: varies
Freq: monthly
Cost: varies by state
Great
Jora
New lender with experienced team.
Loans up to $2,600. No or bad credit ok.
Governing Law: State Lic.
APR: 165%-349%
Amount: $500-$3K
Payments: 16-60
Freq: bi-weekly
Cost: $736-$8,684
Great
Check 'n Go
State licensed lender.
A+ BBB rating. Has physical storefronts.
Governing Law: State Lic.
APR:
Amount:
Payments:
Freq:
Cost:
Great
Speedy Cash
State licensed lender. Pricing shown is based on TX rates.
Pricing appears high. They have store fronts
Governing Law: State Lic.
APR: 610%
Amount: $750
Payments: 12
Freq: bi-weekly
Cost: $1,539
Great
Cash Store
State Lic lender only. Pricing shown is based on TX rates.
Must go to store to complete application.
Governing Law: State Lic.
APR: 583%
Amount: $1,000
Payments: 12
Freq: bi-weekly
Cost: $1,946
Great
Blue Trust Loans
Offers loans up to $2,000 in 39 states.
Bad credit OK. Minimum Income Required: $850/mth.
Governing Law: Tribal
APR: 782%
Amount: $1K
Payments: 1
Freq: bi-weekly
Cost: $290.50
Fair
MaxLend
Offers loans up to $2,000. F BBB rating.
Bad Credit OK. Minimum Income Required: $850/mth.
Governing Law: Tribal
APR: 782%
Amount: $1000
Payments: 1
Freq: 14
Cost: $290.50
Bad
Great Plains Lending
Clear, informative site.
Tribal based lender
Governing Law: Tribe
APR: 350%
Amount: $1,000
Payments: 24
Freq: bi-weekly
Cost: $2,387
Fair
Cash Advance Now
Tribal lender. Upfront disclosures and pricing.
Purchased name and domain in Sept 2012.
Governing Law: Tribe
APR: 695%
Amount: $300
Payments: 34
Freq: bi-weekly
Cost: $1,842
Fair
Just Military Loans
Specialize in Military Loans. Pricing not listed.
15 day cancellation policy. Full refund of fees.
Governing Law: Delaware
APR: 0.00
Amount: 0.00
Payments: 0.0
Freq: 0.0
Cost: 0.00
Fair
Plain Green Loans
Early player in online lending
Tribal based lender
Governing Law: Tribe
APR: 300%
Amount: $1,000
Payments: 24
Freq: bi-weekly
Cost: $1,980
Fair
Mobiloans
Tribal Lender. Line of credit product
Rates similar to payday loans
Governing Law: Tribe
APR: 279%
Amount: $500
Payments: 20
Freq: 14
Cost: $730
Bad
American Web Loan
Tribal Lender based in Oklahoma.
Very little information provided on their site
Governing Law: Tribal
APR: ?
Amount: ?
Payments: ?
Freq: ?
Cost: ?
Bad

* Costs vary by state. Cost shown are based on pricing for Delaware residents when available. Check each lender's website for updated information. Some lenders will not provide pricing data until an application is completed.