Short-Term Loans
Short-Term Loans Online Made Easy
Need quick funds? Our short-term loans online deliver up to $500 on your first loan, and up to $1,500 on renewal.
- Transparent fees
- Online process
- Receive funds same-day or next business day
- No traditional credit checks
How it works?
Our 3-Step Loan Application Process
REQUIREMENTS
Basic Requirements
You only need a few things to get started:
We don’t rely on traditional credit checks. Instead, we work with non-traditional credit agencies to give more people a fair chance.
TRUSTED PARTNER
Essential Insights for Your Loan Decision
Whether you’re exploring personal loans for the first time or comparing term loans side by side, these key insights will help you choose the option that best fits your needs.
Traditional lenders sometimes use compounding interest products that are intended for larger loan terms. Instead, we offer a short-term solution with a simple model: a flat fee of $30 dollars for every $100 dollars you borrow. There are no origination fees. For example, borrowing $400 dollars carries a single fee of $120 dollars for a total repayment of $520 dollars on the due date assigned.
Emergencies require fast funding. If you complete your online application, and it is approved before 3:30 p.m. ET, it will be funded on the same day. If approved after 3:30 p.m. ET and before 8:00 pm ET, it will be funded the next business day. On Federal Reserve holidays and weekends, accounts will be funded the next business day. As a direct lender, My Personal Dollars delivers funds faster than most traditional and online competitors; no branch visits required.
Our loans are meant to be paid in full on the due date assigned. However, we understand that life can sometimes be unpredictable, so that is why we offer the option to rollover your loan if needed. You can contact one of our representatives to help you with your request.
FAQ
Frequently Asked Questions
This FAQ page answers the most common questions about how short-term loans work, who qualifies, and how quickly you can access funds, especially if you need an emergency cash loan with no traditional credit check.
How do short-term loans work?
You submit a loan application, if you receive an instant pre-approval email , the application will go through the underwriting process and if all the requirements are met, the funds will be deposited directly into your checking account, often the same business day.
What does “paid in full” mean?
Paying in full means covering both principal and flat fee by your due date. No additional fees or interest accrual will apply.
How much can I borrow, and what are the loan amounts?
New borrowers: $200–$500. After paying off your loan, you can progressively borrow up to $1,500.
Will a credit check hurt my score?
We only report to non-traditional credit agencies, and we do not perform traditional credit checks, so your credit score remains unchanged.
What do I need to apply?
You must be 18+ years old, a U.S. citizen or U.S. resident, have verifiable income, and an active checking account.
Still have questions?
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