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How It Works

ShortTermLoans.com is licensed to make loans to Illinois residents. If you reside in a state other than Illinois, and submit a loan application on our site, we transfer your loan application into a referral form and share it with third party lender networks. If you are accepted by a lender in that network, the lender will contact you directly by email or phone. You will need to fill out their application and they will provide you with their loan terms including APR and repayment terms.

All you need for loan approval:

  • Employment at a current job for 90 days or more.
  • Age 18 or older, and a citizen or permanent resident of the United States.
  • Income of at least $1,000/month.
  • A valid checking account in your name.
  • Home and work phone numbers.
  • A valid email address.

Fast Applications

Your application is received and immediately sent to the lender that best suits your needs. Your lender will contact you and may require that you fax in additional information such as a copy of your pay stub. Your lender will also let you know the exact fee for your loan.

Cash Direct to You

Once you're approved your short term cash advance loan will be transferred directly into your checking account normally within one business day.

Secure and Private

We use the most advanced and secure internet encryption technology to protect your privacy.

Automatic Repayment

Your loan and loan fees will be automatically withdrawn from your checking account on the due date. You don't need to do a thing!

Late Payments

The cash advance lenders in our network follow different policies regarding late payments. You should review and understand the late-payment policy specified in the lender's loan documents before appending your e-signature, as this constitutes a legal obligation to repay the loan. State laws regarding late-payment fees determine how much lenders can charge a delinquent borrower in penalties.

Loan Extensions

State law determines if your lender may grant a loan extension, also known as a rollover. Some states allow multiple rollovers, while others forbid the practice entirely.