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When you need emergency cash, short term loans provide you with quick, convenient and secure way to help you cover unexpected bills, bounced checks and other surprises. Stay ahead and get on with your life. Whether you have an emergency utility repair or are facing some unanticipated expenses, you have the ability to receive cash overnight with just a few clicks of your mouse.

Understanding Short Term Loans

Step 1: Online Application

Online loan application will only take a minute to complete. We only ask you for the information that is necessary to provide you with the short term loans you request. After you submit your information, we will match you with at least one of the hundreds lenders in our network. Information you submit is strictly confidential. We use SSL secure protocol for data transfer.

Step 2: Approval

Hours or even minutes after your application is submitted, you likely to receive offers from lenders. If we are able to match you instantly, will be shown a lender or list of lenders in your area. All of he lenders provide their terms in a language that is easy to understand. You are under no obligation to accept any of the quotes or loans provided by participating lenders. Simply look things over and choose the loan offer that works best for your specific situation.

Step 3: Get Cash As Soon As Tomorrow

Provide an electronic signature that will enter you into a contract with that particular lender and lender will deposit your loan funds to your account as soon as next business day (for transactions completed by 6 p.m. ET). Applications approved after 6 p.m. ET are processed the next business day.

Step 4: Repayment

The terms of repayment will be disclosed in agreement and discussed between you and lender before the agreement, so there are no worries about last minute changes. an electronic signature that will enter you into a contract with that particular lender and lender will deposit your loan funds to your account as soon as next business day (for transactions completed by 6 p.m. ET). Applications approved after 6 p.m. ET are processed the next business day.

Do I Qualify for a Loan?

While qualifying for a short term loan is quite simple, keep these minimum requirements in mind:

You are at least 18 years old (19 if residing in AL or NE)
Legally live in the United States
You reside in a State where short term loans are legal
You have a job or other proven source of income
You have a telephone number and e-mail address

You Don't Need a Good Credit.

Short Term Cash loan lenders only perform checks to ensure that you are not currently in bankruptcy and that you do not have any existing non-paid short term loans with other lenders. Having a credit or good credit score is not necessary.

Howewer, lenders like Federal Credit Unions (FCUs) will generally be reporting their members' payment histories with STS loans to the credit bureaus. Members who successfully pay off STS loans at FCUs will likely be able to improve their credit scores and qualify for future loans at lower costs.

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Accessing this web site, I acknowledge that I have read and agree to abide by the Terms of Use and consent by electronic signature to be contacted by a live mortgage agent, artificial or prerecorded voice, and SMS text at my residential or cellular number (dialed manually or by autodialed) and by email. Calls may be recorded for quality assurance.

LEGAL DISCLAIMER: The operator of this website is not responsible for making any decisions regarding loans and credits. The information on our website is nothing more than an advertising. Every application is introduced to many lenders in order to increase the chance of success. In some cases faxing can be necessary. Filling in this application must not insure you in any approval of services.

This service is absolutely free and you are under no obligation to accept any of the quotes or services provided by participating lenders and agents. Thank you for visiting our web site and we look forward to providing you with the best service possible. To contact us via mail: Global Data Mining LLC, DBA Loan Savings Solutions 16192 Coastal Highway Lewes, DE 19958

*APR: Annual Percentage Rate is expressed as the periodic interest rate times the number of compounding periods in a year. APR includes non-interest charges and fees. Short-term loans normally incur such a fees so APR requires detailed calculation.

APR EXAMPLE: A person borrows $500 until the next payday. The lender provides a two-week loan and charges a $75 fee. The lender will require the borrower to provide a postdated check for $575 to be held until the borrower's next payday. When the loan comes due, the borrower may repay the loan by allowing the lender to process the check or by bringing in the full payment of $575 in cash. The borrower may also have the option to “roll over” the loan by taking out another loan and paying an additional $75 for another two weeks. In this example, the annual percentage rate (APR) calculates to 391% for the original two-week loan of $500 with a $75 fee.

FINANCIAL IMPLICATONS: fees for short term loans that amount up to $500 may vary from $15 to $40 for $100 borrowed. Lenders may charge higher fees for loan amounts of more than $500. Lenders may charge additional fees for non-payment or non-sufficient funds. For example, lenders may charge $20 for non-sufficient funds and 10% of principle if the debt is 15 days late.

RENEWAL: depending on the lender, renewal may be automatic if the loan has not been repaid on the due date. Some lenders give debtors several options to choose from when taking out a loan: auto renew a loan, pay it in full or pay down the principle. The minimum renewal term is 15 days. Please note that you may be required to pay additional fees associated with loan renewal and loan interest rates may be reset as well.

FCU STS LOANS: The Federal Credit Union Act sets the maximum allowable Annual Percentage Rate (APR) 18% for most loans and 28% for loans made under NCUA's Short-Term Small Loan (STS) program. To charge up to 28% APR, federal credit unions can offer loans under the conditions including:

- Principal Amount: $200-$1,000

- Application Fee: $0-$20

- Term: 1-6 Months

- Rollovers: prohibited

Members who successfully pay off STS loans at FCUs will likely be able to improve their credit scores and qualify for future loans at lower costs.