What are Short Term Loans?

Short term loans are generally small sums of cash—between $100 and $1000—that are made available to consumers in the event of financial emergencies regardless of their credit histories. This cash is generally available to applicants on the business day following their approval.

What are the Qualifications?

You are likely to be approved for a short term loan even if you have been turned down by banks and credit card companies in the past. The qualifications include being at least 18 years old, legally working and living in the USA, having a working phone number and email address, a bank account in your name, and being employed for at least 90 consecutive days with the same employer.

What is the Maximum Loan Amount?

The total amount you can borrow varies depending on your lender, the state you live in, and your financial situation.

How Will I Get My Money?

Upon loan approval and receipt of the signed loan agreement, your lender will deposit the funds into your bank account the following business day.

What if I Have Bad Credit?

Most lenders in our network do not check credit during the qualification process, so bad credit is generally not an issue for approval as long as you meet the basic guidelines.

How Long Will It Take?

The entire process typically takes one business day, from filling out the application to receiving funding in your account.

Do I Need to Fax Information?

If this is your first loan with a lender, they might request verification documents, which you may need to fax. Local libraries or UPS Stores can assist with faxing.

How Much Does it Cost?

Costs for short term loans depend on the individual lender and state regulations. The application process through this site is free.

Can I Have More than One Loan at Once?

Depending on state regulations, you may have multiple short term loans at the same time, but you must disclose all existing loans when applying for a new loan.

How and When will My Loan be Repaid?

Repayment terms will be in your loan agreement. Generally, lenders withdraw the loan amount plus any fees on the repayment date from your bank account.

What if My Payment is Late?

If your payment will be late, contact your lender immediately to avoid large charges. States regulate maximum late fees.

Is My Information Safe?

Theguaranteedloans.com uses robust security measures to protect your information during transmission and storage.

What if I Cannot Repay My Loan?

Lenders may use legal methods to collect debt if you fail to repay, but most will try to collect in-house. Discuss your situation with your lender directly.

Is There a Waiting Period between Applications?

While you can apply for short term loans anytime, you should wait 72 hours between consecutive applications.

How Many Extensions Can I Have?

Extensions on loans may be offered by lenders, but the number available varies by state and lender.

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