How It Works

Find Me A Loan Today is not a lender - we work with a panel of lenders to help you secure a short-term loan in your time of need.

You can request a loan between $500 to $5000 to solve temporary cash-flow problems or unforeseen expenses and help avoid costly overdraft fees.



To request a short-term loan, you must:

  • Be 18 years or over
  • Be a US resident
  • Have a US bank account to transfer funds to

Loan Amount

We'll help you find a loan amount that meets your needs. We work with a variety of direct lenders that provide loans between $500 and $5000.


Online Loan Requests

Our online loan request form can be completed in minutes. You’ll need to enter information about your income, your employment information and a few personal details.


A Suitable Lender

We’ve partnered with a network of reputable lenders. Once we’ve completed our check, we’ll send your loan request to them to try and find a suitable loan option. If approved, you’ll be redirected to a direct lender.


Funds Received

If the lender approves your loan, they'll aim to pay out the funds as soon as possible. You may receive your loan by the next business day, but some banks may need to hold funds for up to 3 days. Please contact your bank for more information about clearing holds.

What Types of Loan are Available?

If you’re looking to submit a short term loan enquiry to cover an unexpected expense, there are a number of different types of loan available. We’ve listed the most common types of short term loan below:

Payday Loans

A payday loan is one of the shortest loans you can take out. You’d generally only borrow the funds for a few days or weeks, typically until you get your next paycheck. Not all states have the option of payday loans - you can check to see if your home state allows payday loans by looking at the list of states we operate in. This can be found in the section below.

Installment Loans

If you’re looking to spread the cost of borrowing, you may wish to consider an installment loan. Unlike payday loans, where you’d repay the funds as a lump sum, with an installment loan you’d make monthly payments. These are generally at a fixed rate, so they’re easier to budget for.

Bad Credit Loans

If you have a poor credit history, you may be looking into bad credit loans. While these may come with relatively high interest rates, they are far more accessible than most other forms of credit, so even if you have a low credit score, you may still be considered for a bad credit loan.

Guarantor Loans

Like bad credit loans, guarantor loans are often a good option for people with poor credit ratings. You will need to find a guarantor who agrees to make the repayments if you’re no longer able to - preferably someone with a good credit history. Some lenders may also ask that your guarantor be a homeowner.

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