How it Works

Installment Loans

An Installment Loan from Short Term Loans can help you get cash fast for unexpected expenses or any other need while allowing you to pay the loan back over time in manageable payments.

Payday Loans

A Payday Loan is a short term cash advance that can help you cover bills, car repairs, medical bills, or any other unexpected expense until your next payday. Avoid costly returned check fees, overdraft charges, and late fees by getting a payday loan today.

See Rates & Terms for more details.

Short Term Loans, LLC makes it simple and hassle free to get the cash you need from the comfort and convenience of your own home.

Infographic explaining how the Short Term Loans process works

Our Process

*Illinois law requires Short Term Loans, L.L.C. to have proof of your income on file. Please fax (877-556-2999) or email ( your current proof of income (pay stub) when applying to ensure quick processing of your loan.

You may also upload your proof of income directly from our Member Area. Simply login and select “Upload Documents”.

Loan Funding

If you choose our Instant Funding option, your cash will be available in your checking account within seconds of approval!

If you choose “Western Union in minutes”, you can pick up your cash IN MINUTES at any Western Union agent, including any West Suburban Currency Exchange. Find locations at

Choose “Next Day ACH” and your funds will be deposited in your account as soon as the next business day. (if your loan is approved after 6:45pm central then your funds will be deposited on the 2nd business day)


Qualifying is easy! You just need to meet the following minimum requirements:

  • Currently employed (or receive other regular income)
  • Gross income of at least $1000 per month
  • At least 18 years of age
  • Checking account