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Don't be fooled by "1-hour online personal loan" or "1-hour cash advance loan" marketing schemes. while approval for a short-term loan can be fast, usually within minutes, you are not likely to be able to get cash within the hour. think of the process as depositing a check into your bank account, typically, you have to wait at least 24 hours before the check clears and the money is available for you to use from your account. if you are approved for a personal loan by one of the lenders in our network, you can receive the cash for your emergency in as little as 24 hours and resolve your short term cash problem in no time!The apr on a short term loan can range from 200% to 2,290% depending on how the apr is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. keep in mind that the apr range is not your finance charge and your finance charge will be disclosed later on.Personal loan lenders can help you get out of a short-term financial bind. thousands of americans across the country use personal loans to help them pay for emergency expenses like medical expenses, mechanic fees, and bills. when searching for a small loan you may see services like:These short-term loans are popular because they offer a convenient way to gain quick access to cash. these types of loans can prevent you from paying late fees, overdraft charges, or other penalties.
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