If You Need Money Now Harpsey is Here With Loans from $100 up to $35,000

Use our super simple online application and see your instant decision pop up onscreen with money in your bank from 1-24 hours.

Harpsey understands if you need money now. That’s why we designed a fast and simplified application process so you get quick approvals and favorable terms with the swiftest of funding. That’s how we roll.

I Need Money Now So Why Apply With Harpsey?

Harpsey is 100% online and that makes our application take only five minutes before you get an instant onscreen decision. 

Harpsey automatically sends your application to multiple lenders at once so it all happens quite fast. But, if you went to a payday loan store (and some states have lots and lots of them) you could stand in line and wait to get your answer back, possibly getting turned down. Then you move on to the next store.

You could go directly to lenders to find you fast cash but this can take a lot more time. Particularly if you’re turned down. Then you’d have to go to the next lender then on and on. 

If you need a loan in a hurry then work with a broker like Harpsey. It just makes so much more sense. As a broker, we have a group of highly qualified and fully vetted lenders to choose from. 

Sometimes, you don’t need a large influx of cash. Just a small infusion can help you put out fires when emergencies pop up. When that’s the case, need money now loans or emergency cash loans are often your best bet. These give you a lump sum of capital that you repay over 1 to 60 months with fixed regular payments. If you think a ‘need money now’ loan could be the right fit for you, Harpsey has a substantial collection of established lenders who offer quick loans as large as $35,000.

First step, you tell us what you’re looking for so we can connect you with the right provider that is local to you. Our process is so quick and simple your request for a loan is handled efficiently and swiftly.

Working with our large collection of qualified lenders means we can find a loan with favorable terms for exactly what you need.

Choose: Which type of loan is right for you? Payday, emergency, or installments. Harpsey has them all.

Apply Online: Use Harpsey’s 100% online application for a simple, speedy instant decision.

Money in the Bank: If your application is approved your lender will send funds to your bank within one working day!

What Exactly is a ‘Need Money Now’ Loan?

A Need Money Now Loan lets you borrow between $100 and $35,000 for a limited period of time. Many people choose to borrow $600, for example, or $1000, but you have the option to borrow more.  The money lands in your bank account in one lump sum. These loans are usually just for a couple of months.

With Harpsey, we offer loans that can be paid from five years down to one month. Your repayment date and equal monthly installments are agreed upon with your lender before you sign the loan contract.


Why Would I Get a ‘Need Money Now’ Loan?

Life can throw us financial surprises like when the car breaks down, your roof needs to be repaired or you have a medical bill. In that case, you need cash fast.

Need money now loans are primarily designed to help you get through a tough financial situation. But, we can also help you with a large expense – like starting a new business, buying a car (new or used), or consolidating debt. We’ve had borrowers take a loan to start a new adventure, like getting married.

Key Features


Loan Amounts $100 to $35,000
Loan Terms 1 to 60 Months
APR 200% to 400%
Same Day Funding Yes
Bad Credit Yes
Direct Lenders Yes
Upfront Fees No

Representative Example


This is a typical example of a loan. Real terms vary from lender to lender.

Borrow $500 over 3 months, at 400% APR, 3 repayments of $288.29, total repayable $864.87

How Fast Will My Funds Land In My Bank?

Your loan money could be put in your bank in one lump sum on the day you apply. This makes it possible for you to make the purchases that you need or pay off any debt. After that, you simply pay back a portion each month in equal installments. Your lender will collect the money each month on the same day, something that you will agree with ahead of time. Many lenders and borrowers agree that the repayment date will be the last day of the month. Or, it could be the date of their next paycheck from their employer.

If You Need Money Now Harpsey is Here for Loans from $100 up to $35,000

If you Need Money Now it’s Waiting for you at Harpsey from $100 up to $35,000. Use our super simple online application and see your instant decision pop up onscreen with money in your bank from 1-24 hours.
It’s free to try.

Am I Eligible for a Need Money Now Loan with Harpsey?

For a Harpsey need money now  loan, you must meet these basic criteria. Check them to see if you qualify.

If this is you, then you can apply today!

   You Must…

  • Have a steady job.
  • Be older than 18 
  • Live in the United States full time
  • Earn at least $800 per month 
  • Have a  bank account for your money to be paid into
  • Show that you can repay the loans

How Much Can I Borrow?

With Harpsey, you can borrow from $100 all the way up to $35,000, but this will depend on your personal circumstance. As a loans broker, Harpsey pairs you with one of our trusted lenders who can offer you the most favorable rates available to you. Once this happens, you agree on the terms with your lender and create a repayment plan.

How Do I Repay My Need Money Now Loan?

Before you sign your contract, you agree with your lender on what your repayment plan will be. That could be up to 60 months over that you pay back your loan. Repayments are made in equal monthly installments. Normally the date chosen for those installments is your payday. On that date, an installment of your repayment is withdrawn from your checking account every month, until you repay your loan in full.

What Types of Short Term Loans Are There?

If you’re in business, you may automatically think of short-term business loans. These help small business owners get the money they need to cover emergency expenses, help their cash flow, buy products they need for business, or jump on new business opportunities.

In this case, we’re talking personal short term loan like – unsecured, payday, and installment loans. They’re for short term purposes not like a long term mortgage for 25 years.

With Harpsey, our wide range of short term lending partners offer you the best options. These partners include stores, apps, and local lenders. We’ll pair you with a lender that’s best suited for your situation and goals.

Will Harpsey Lend To Me If I Have Bad Credit?

Yes. You will find that many lenders specialize in lending only to those with a good credit rating. At Harpsey, even if you have bad credit we will consider your application and work hard to find a lender for you. Our lenders will consider all kinds of credit histories and credit scores. 

Harpsey lends to borrowers with bad credit, because emergencies happen. We understand that things happen and not everyone is going to have a perfect track record in their history of credit. 

At Harpsey, we look at how committed you are to paying your loan back every month and at the right time. If you can show that you are committed to the goals set out in terms of repayment then we have lenders ready to give you a loan right now.


If you have a bad credit score, don’t worry – you can still get a payday loan!

With Harpsey, all credit histories are accepted. This means that you should still request a payday loan with us even if you have already been turned down by a bank because of bad credit.

With Harpsey, you could find payday loans ranging from $100 to $35,000 – with the amount you can borrow based on factors like your monthly income, credit status and affordability.

Other things come into play too, including your residence (homeowners are often preferred), age, and whether you have any other similar loans open too.

Customers can repay over 1 month to 60 months (or equal to 5 years) – this will depend on whether you prefer the payday option which may be just a few weeks or months, or the longer installment option which can be several years to stretch out your repayments.

Payments are usually made in equal monthly installments from the bank account you choose and you always have the option to repay early if you would like to do so.

No! We will never charge fees for using our service.

Instead, we take a fee or commission from the lender if your application is approved and successful. The lenders will charge a daily or monthly interest if your loan is active and this will be presented to you in writing before you proceed.

Harpsey will consider those looking for no credit check loans, but note that a credit check is usually carried out for all customers.

Yes! Harpsey is a broker, meaning that if you’re approved, we don’t provide the funds for your loan directly. Instead, we connect you to a lender best suited to your situation from our trusted panel.

Do not worry though, your information is completely secure and will not be sent or shared with any other companies or third parties and we certainly will not charge you anything for using our service.

At Harpsey, we offer a range of different loan options to suit your personal and financial needs. These include payday loans, cash advance loans, installment loans, and more.