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Top Reasons Payday Loans Online Are So Popular

Written by Scott Hershman
January 25, 2017

If you have ever wondered why so many people decide to get easy online loans fast instead of going through more traditional methods to get the money they need to do everything from pay bills to get through the holidays, then you have never gotten a payday loan yourself. If you are interested in knowing why these people prefer payday loans online, then read on below for a few of the top reasons.

They Get Their Money Fast

In today’s world, everyone expects fast results on anything they do, from the TV to the Internet and even the cars they drive. If you expect everything in your life to produce fast results, then you should expect the same thing from the loans you choose. The fastest way, of course, is to get easy online loans fast. You are pretty much assured that you are going to get your loan quick and in a hurry, as long as you can produce what the lender needs to prove that you work, have a checking account, and can repay the loan in a timely manner. At Short Term Loans you can do everything online. It only takes a few minutes to submit your application, and if approved, you can receive your money within 24 hours.

Applying is Easy

Life is quite complicated and busy for many people. You don’t want to spend hours filling out paperwork when you want a loan. Instead, you can get your loan online with very little hassle and in many cases, get an answer instantly. In most cases, you can get your money in an hour or wait just 24 hours for it to hit your account.

You Don’t Have to Drive Anywhere

One of the biggest advantages to applying for a payday loan online is that you don’t have to drive anywhere. For example, if you need your loan to do repairs on your car, then you will, of course, have no way to drive to pick up the loan. With applying online, you don’t have to. Short Term Loans also allows you to do everything from the comfort of your own home. Apply, get approved, and receive your money all online, it doesn’t get easier than that.

These are just a few of the reasons that a payday loan online might be the best step for you the next time you need a quick loan. From easy online applications to direct deposits into your bank account, applying for a Short Term Loan is fast, convenient, and hassle-free. For more information on how to get your loan today, contact the professionals at Short Term Loans.

7 Things To Consider Before Borrowing

Written by Scott Hershman
January 20, 2017

In an age when each day more consumers are searching online to find the services that they require, companies are conducting business online. In the past, people had to visit the traditional brick and mortar establishment to obtain the services that they needed while now they simply search online. This provides the convenience of being able to complete transactions from the comfort of home or on the go with mobile devices. Consumers are even able to apply for short term payday installment loans to help them gain a little extra cash when they are in a rough spot financially. With the vast amount of online short-term loan businesses available today, how does a person know which one is the right company for them to conduct business with?

Things To Consider Before Selecting A Short-Term Loan Lender

  1. You want to research the requirements of your state before choosing a lender, it is important to know what your state regulations are when it comes to taking out a short-term loan.
  2. The individual will want to find a company that is in their state, consumers are not allowed to apply for short term payday installment loans from companies in another state.
  3. Is the company licensed to operate in your state? A licensed lender means they have met all the criteria of providing payday loans in the state they conduct business in.
  4. What are the requirements of the company for obtaining a quick payday loan? Do you need an income or a bank account to be approved? This information is crucial to know before completing an application. 
  5. What are their fees for taking out a loan? Do they charge a reasonable amount for their services? Each state mandates how much the company can charge for their services, are their fees within this range?
  6. What type of repayment plans do they offer? Do you have to pay back in one lump sum or do they offer an installment plan?
  7. How do you obtain the money? Do you have to visit a local establishment or will they directly deposit the money into your bank account?

Choose a Company With A Well-Established Reputation And Trusted Name

When selecting a lender, you want to choose one that you feel comfortable conducting business with. Short Term Loans has a reputation of providing friendly and quality services to our consumers. We offer our clients a fast and convenient way to acquire money to help them with a short-term financial problem. When you have an unexpected expense, we can provide the money you need until you receive your next paycheck. Fill out our online application and get your loan in as soon as one business day!

5 Benefits of Fast Easy Online Loans

Written by Scott Hershman
December 29, 2016

Fast easy online loans may be just the opportunity you have been looking for to solve your temporary financial need. Understanding the benefits of these easy to use programs to get the funding that you need will help you to make a confident decision about your choice to submit your application.

Here are five reasons that millions of people are using fast easy online loans from Short Term Loans as their financial solution

  1. You do not have to leave home! One of the clear top benefits of this lending option is the fact that you do not have to leave home to take advantage of the process. You fill out the application online from home, work, or anywhere you have a device and an internet connection. You sign your loan agreement electronically and the money is transferred right into your bank account. You can get approved and get your cash right from your couch! This is the most convenient way there is to receive cash fast!
  2. High approval rates! Luckily for people that are having credit issues, this process does not require that you have good credit. These lenders understand that good people that are creditworthy sometimes run into trouble with their credit. Your credit score does not define you with these lenders. No credit? Bad credit? At Short Term Loans it’s no problem!
  3. It’s fast! The application will take you about 10 minutes to fill out. Your approval can be in your inbox in minutes and your money can be in the bank by tomorrow! It is that fast. Banks can take days even weeks to approve even the smallest of loans, and many people don’t have that kind of time. Short Term Loans offers a fast and easy alternative to the traditional bank.
  4. Easy terms! You do not have to deal with complex loan terms. Some loans are just chock-full of language that requires a law degree to understand. Most fast easy online loans offer simple terms that are easy to comply with.  The applications and loan documents are straightforward and easy to understand, what else could you ask for?
  5. Totally discreet! Your information is kept secure. No one calls your job or must talk to your supervisor. No one must know that you are taking the loan out at all. You do not have to meet face to face with a loan officer that is going to grill you and thumb through pages of documents. This method offers total discretion.

Apply from your computer, get approved, and your money will be wired into your bank account—all in about a day’s time! Short Term Loans is the online source for fast funding so apply today!

Quick Payday Loans

Written by Scott Hershman
December 14, 2016

Some Americans are lucky enough to earn enough money to help them pay their living expenses each month. However, with a tight budget, it can be difficult for many to save up a few hundred dollars to keep in case of an unexpected expense. Fortunately, there are lenders that offer quick payday loans to help anyone who needs a little extra cash to help them get by. Quick payday loans at Short Term Loans are designed for customers who need cash fast and cannot obtain a loan from a larger financial institution. These types of loans are based on the income the person earns each month. The amount of the loan is a percentage of their paycheck to make repayment of the advance affordable for the individual that is applying with the lender.

Who Can Apply for a Short-Term Loan

  • Anyone that is 18 years old or older.
  • Gross income of at least $1000 per month.
  • Currently employed or have a regular income.
  • Proof of income.
  • Someone that has an active checking account.
  • A permanent resident of the U.S.
  • No credit? Bad credit? No problem! Your credit will not prevent you from applying for a Short Term Loan.

Benefits of Acquiring a Payday Loan

One of the greatest advantages of securing a quick payday loan at Short Term Loans is you can receive the cash you need fast. When you need the money quickly, you do not have to wait several days to learn if you have been approved. With a payday loan, you can be approved for your money within 10 to 15 minutes after submitting your application. You will immediately get the cash you require for a temporary financial need until you receive your next paycheck.

Apply Online Today

If you have an emergency and are short on cash, you should consider applying online for a quick payday loan today. Short Term Loans is a financial lender that strives to provide their clients with the cash they need. From car repairs to medical bills, you can find the relief you need to help get you through until your next payday. Short Term Loans offers fast, friendly service designed for your convenience. You can apply online from your home, get approved, and receive the money you need in a matter of minutes. Why should you spend days waiting for your bank to approve a small loan? Apply at Short Term Loans today!

Payday Loan For The Holidays

Written by Scott Hershman
November 29, 2016

The holidays are the most expensive time of the year for many people. On top of regular expenses there’s always something going on, gifts to buy, restaurants and bars to escape the cold in. The expenses pile up and many of us are left wondering how anyone makes it through the holiday season with money in their pocket. A payday loan could be the answer to your problem. A loan allows you to get the money you need in order to make it through the holiday season, then allows you to pay it back once you are back on your feet. Here are two ways you can use your Short Term Loans payday loan. 


Travel is an often underestimated but hugely costly part of the holiday season. If you are traveling to see friends or family, or they are traveling to see you, you should know that it is not cheap. Plane ticket prices have gone up in the past years and with very little return for the cost. Unfortunately, the cost of travel prevents many people from seeing their loved ones over the holiday. However, with a loan from Short Term Loans you can get the money you need to have a holiday with the ones you love. By taking out a small, easy to manage loan you can borrow the cost of a plane ticket, and pay it back when you receive your next paycheck. It’s that simple! Don’t let being a little short on cash prevent you from spending the holiday season with the people you love. 


The holiday season is about being with the people you care about. This isn’t always costly, but it often is. From Thanksgiving, to taking your in-laws out for dinner, and the mountain of gifts you will likely have to buy, the expenses quickly add up during the holidays. A payday loan can give you the help you need to get through the season. Short Term Loans can offer you a loan, and all you need to do is pay it back when you receive your next paycheck! Apply online, get approved, and receive your loan all right from your home.

Short Term Loans is here for you in a pinch. We pride ourselves on our fast, convenient service and our ability to provide many people with the money they need. Let Short Term Loans help you out this holiday season with an easy to payback payday loan. Apply online today!

Don’t Worry About Your Credit

Written by Scott Hershman
November 14, 2016

Finding an easy loan can be frustrating, especially if you do not have great credit. However, with Short Term Loans the search is over. We are proud to offer loans to people despite their credit. Here is how to find a loan with bad credit.

The Source

Your very first step is to use a trusted lender. They should be a trusted source that has experience working with people with bad credit.  Look for a company that offers:

  •       Easy applications
  •       Has a proven history of helping people with bad credit
  •       Offers a fast approval rate
  •       Offers a high approval rate

Short Term Loans is proud to be a loan lender to people of many different financial backgrounds. Good credit, bad credit, no problem! Don’t let credit be the reason you don’t pursue the loan you need.

You want to find out as soon as possible if you are approved or not. Waiting around for days or even weeks can be tough, especially when you need the loan quickly. Fast approvals coupled with high approval rates is a must. At Short Term Loans the application and approval process is fast and easy. Additionally, you will not be denied a loan based on your credit. Fill out your application with ease of mind and time with Short Term Loans.

The Application

Be honest and thorough! Your application will not be denied because of your credit but if you misrepresent your income or other information you may find that you are denied for that. Fill out your application honestly and let Short Term Loans take care of the rest.

Applications that can be completed online are particularly convenient as you do not have to find a Short Term Loans office. At Short Term Loans we make our application process as easy as possible for our clients because we know that time is money.

The Payment

Getting a loan with bad credit is possible. However, once you receive your loan make sure you are certain you can pay it back to allow for borrowing opportunities in the future. Make sure to make your payments in full and on time so you can continue to have Short Term Loans available to you. Read and sign your loan documents so that you understand what is expected!

Short Term Loans can help you secure a loan even with bad credit, so fill out an application today and get the funds you need!

Get Help With A Cash Advance Loan

Written by Scott Hershman
October 26, 2016

It is hard enough keeping up with regular bills without having unexpected expenses throw you for a loop. You do not want to ignore the bill and incur the extra expense of late fees simply because you do not have the extra cash to pay the notice. When you need the extra money and your payday is still a few days away you could benefit from the services offered by a cash advance loan. Short Term Loans can offer the solution that you need to help prevent a bill being paid late. We offer our clients small loans to help them get through until they receive their next paycheck.

How Short Term Loans Can Help You

A company that offers cash advance loans will work with their clients to provide them with the money they need at an affordable rate. Our primary goal is to offer our customers loans that are based on their ability to pay the loan back. When determining how much the client can apply for we take into consideration how much income they bring in. The loan is then based on this amount to prevent the client from incurring a loan that will be hard for them to pay back. Before loaning the money to our customers, they will be informed of the exact amount they are responsible for paying back.

Two Payment Options

When a person takes out a payday loan, they do not have to struggle with paying the advance back. They will be responsible for paying back the loan amount along with a small fee of interest on the advance. The loan is then setup to allow the client to pay the loan back when they receive their next paycheck. Another option that the client has available is to pay the loan down within a certain time frame without putting a financial strain on them. This type of loan is referred to as an installment loan and is great for people who do not want to or can’t pay back their loan in one lump sum. They are allowed the luxury of paying their loan back in installments which allows for some financial relief.

Find The Right Cash Advance Loan For You

You do not have to be stressed out over an unexpected expense when a small loan company can provide a solution for you. At Short Term Loans we offer our clients a fast and affordable way to gain a cash advance loan to help make ends meet. We have a reputation of providing friendly service as we help our customers obtain a loan against their next paycheck. If you are in need of a fast cash loan apply at Short Term Loans right away! Applications are processed within minutes and you could receive the money you need in just one business day, deposited right into your bank account! Apply online now and get the cash advance loans you need.

Receive Cash Fast With An Instant Payday Loan

Written by Scott Hershman
October 19, 2016

It is frustrating to find out about an expense that you cannot afford, especially on short notice. Some expenses can be put off until your next payday, things like groceries and doctors visits. Unfortunately, things happen and occasionally you may find yourself needing cash immediately. The last thing you want to do is ask family or friends if you can borrow the money from them. Especially if you do not want them to know that you are financially strapped. Luckily, there is a solution when you need cash fast and cannot wait until you are paid. Instant payday loans allow people to obtain a small advance against their paycheck until their next payday. Apply for a loan today from Short Term Loans. Our service is easy, fast, and friendly! 

How To Apply For A Cash Advance Loan

  1. The first step is to find the nearest Short Term Loans office in your area. If you are not close to an office you can always apply online
  2. Next, you will need to fill out an application for an instant payday loan. The application usually consists of important information such as your name, place you live, workplace or income source, and references, among others.
  3. If applying online, you will submit your application and wait for an email or call from telling you what other information is required from you.
  4. You may need to supply other documents such as a picture ID, a current paycheck stub or reward letter if you receive SSI, and a recent bank statement to prove you have a checking account.
  5. Once approved, you will provide a prewritten check to in the amount of the loan you are taking out and an additional fee.
  6. Finally, after you provide a check and a signed agreement you will receive the cash you need either in person or directly into your bank account. 

Do Not Delay

If you are running a bit short on cash or need to pay an unexpected expense contact Short Term Loans to apply for an instant payday loan. The friendly staff at Short Term Loans can provide you with the information that you need to take out a small loan today. Why should you struggle when there is a fast and convenient solution available to you? Apply now at Short Term Loans!

Save Money, Buy Generic

Written by Scott Hershman
September 27, 2016

Brand name products are meant to convey quality over their generic counterparts, but are they actually better? In many cases the answer is no. A 2014 study estimates that Americans spend about $44 billion on brand name products. That’s a lot of money that could be saved by just buying the generic version of the same products. Here are the best products to buy generic. And don’t forget, household and grocery shopping are great ways to use cash loans if you find yourself in a pinch. Cash loans can be obtained in as quick as one business day, allowing you to shop for the things you need as soon as possible.

Pantry Goods

Restaurants and professional chefs and bakers buy their pantry staples in bulk, and they definitely don’t overpay. Take a leaf from their well-worn cookbooks and buy generic flour, sugar, baking powder, and any other everyday staple you can think of. Your food will taste better and your wallet will be thicker.

Beauty and Personal Care Products

These types of products can get expensive fast. However, the generic brands for this industry have expanded rapidly with so many almost identical items offered at much cheaper prices. Check out labels and ingredients to make sure the generic product you’re looking at is similar or the same as it’s brand name version. Often a generic label will have the words “Compare to…” which indicates that the product is almost identical to it’s brand name counterpart.


Cereal is probably one of the most well-known and ubiquitous generic products on the market. The generic brands of cereals are often way cheaper and in some cases even taste better.


Buying generic medications over the brand name version can save you a ton of money and actually yield you a greater amount of medicine. Generic versions of medications are required to have the same active ingredient, strength, dosage form, and route of administration as the brand name product. Generic medications are completely safe, required by the FDA to meet certain standards to be considered the same basic product as the brand name version.

Exclusively buying brand name products is a huge financial drain that provides no substantial increase in quality for many products. Buying generic versions of your everyday products can save you money for bigger purchases. However, even when buying generic, household and grocery shopping can become very expensive very quickly. Cash loans can give you the money you need to survive until your next paycheck. Apply for cash loans at Short Term Loans and receive your money as early as the next business day. Good luck and happy shopping!

Apply for cash loans and get the funds you need to get to your next payday.

Courtesy of Money Talks News

Money Hacks for Young People

Written by Scott Hershman
September 14, 2016

Being young and broke is the reality of almost everyone who has been in their teens and twenties and is cited as the number one cause of stress for Americans. The key is to organize, plan, and be diligent about your spending. We know that all sounds boring, but you know what’s worse? Being bored at home because you can’t afford to leave the house. Here are some life and money hacks for the struggling young person.

Chase Opportunities 

When you’re young you usually don’t have a lot of commitments to a spouse or children. So go after that job offer in a new city! Don’t let fear of the unknown stop you from pursuing new, better-paid positions because you’re much more unlikely to be able to make big moves in the future. Don’t be afraid to follow your career aspirations to different parts of the country, you’ll be successful if you show you’re passionate enough about a job to make the move. If the cost of moving is what’s stopping you consider payday loans. Payday loans can provide you with the fast cash you need to make the move so long as you can repay it on your next payday. This quick infusion of money could be all you need to start a successful career in a new city.  


Stocks that pay dividends usually outperform those that don’t, and dividends are essentially free money. With the amount of cash your dividends pay out on a relatively modest investment you could get a meal or concert tickets for free!


Young people tend to feel invincible, like the high cost of health insurance is just not worth it for their healthy, youthful bodies. However, insurance costs a lot less when you’re young than when you’re older. Get it now, save later.

Buy Don’t Rent 

Buying a place can seem like way too expensive of an option, and it is, at first. Real estate is one of the best investments you can make. A percentage of what you pay on your mortgage will go to paying down the principle of the loan you took out. It also increases your net worth and contributes to assets that have longevity. Rent goes up every year and at the end of your payment you own nothing. Buying the place you’re living in is a much smarter and secure way to spend your money.

Pay Attention To Your Credit

Probably the worst thing you can do when you’re young is mess up your credit. A bad credit score makes it difficult to get a car, home, loans and a variety of other important things. Payback debts on time without interest and be careful what you spend. Payday loans are a great source of fast cash if you find yourself in a situation where you can’t pay your rent or electricity bill on time, which can affect your credit score. However, if you do take out a loan make sure you’re certain you can pay it back. Short Term Loans’ payday loans are a good resource because your credit score will not prevent you from receiving them.

Short Term Loans is happy to be a resource to you in trying times. As a payday loans lender we want to make sure you receive the cash you need to make it to your next paycheck. Apply online today to get your loan!

Courtesy of Lifehack