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Apply for Short-Term Loans

Looking for a fast, competitive short-term loan? Get started now to be matched with top US lenders for a short-term loan.

Struggling to find a suitable short-term loan? Harpsey is a dedicated loan connection provider that specializes in short term loans of $100 to $35,000. If approved, money is paid directly into your checking account within 24 hours or on the next working day.

Get started now to see your range of options.

Where Can I Get a Short-Term Loan Near Me?

Harpsey has access to thousands of US lenders offering a broad range of competitive and affordable short-term loans. Our coverage spans the entire US region.  We connect you with both national and regional lenders that specialize in loan options specific to certain States based on their expert knowledge of the local areas.

We welcome residents in the following States to see how we can help with their borrowing needs:

Alabama, Colorado, California, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Ohio, Tennessee and Texas.

What is a Short-Term Loan?

A short-term loan is a way to borrow amounts to fund expenditure of a short-term nature. The loan is typically paid back within a short period of time such as within 1 to 2 months. At Harpsey, we offer borrowers the option of taking out a short-term loan from a range of lenders who offer flexible repayment plans including paying the loan back over 1 to 60 months in equal installments.

If you need to borrow money now to bridge a shortfall in your financial affairs, then a short-term loan may be a sensible solution to this. However, if you decide you want to borrow and repay the loan over a much longer period, then that is also an option available to you.

Customers via Harpsey can borrow anything from $100 to $35,000 to put towards a specific purchase or expense including a remodel, a new car, broken boiler, setting up a business or consolidating debts. These are just a few examples but there are many other reasons why you may want to take out a short-term loan.

How Do Short-Term Loans Work?

The way short-term loans work is that once approved, you receive the loan directly into your checking account. You will then repay the loan in installments each month for the set period of time you have agreed with the lender, until all repayments have been made.

You will typically agree with the lender a date each month when the loan repayments are automatically collected from your bank account (e.g. 28th of each month or the last working day when you receive your salary). If you want to change the monthly date, you will usually have the option to do this provided you give some notice to the lender.

Short-term loans are often referred to by some other names such as unsecured loans, payday and installment loans. They are usually grouped together because they serve short-term financial purposes and are not designed for much longer-term funding requirements.

At Harpsey, we work with the market-leading lenders in fast, affordable and flexible short-term loan options. We connect our customers to lenders offering a wide range of competitive loans. Customers are matched based on their preferences and likelihood of being accepted.

Key Features of Short-Term Loans


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 an example of a typical loan. Terms will vary from lender to lender.

Borrow $300 over 3 months, at 400% APR, 3 repayments of $218.91, total repayable $518.91

Can I Get a Short-Term Loan with Harpsey if I Have Bad Credit?

Yes, Harpsey has specific lenders that are ready and willing to lend short-term loans to borrowers with bad credit and poor credit histories.

What does it mean to have bad credit? This is usually defined, by reference to your credit score contained within your credit report. A bad credit score is generally considered anything from 300 to 629 under the FICO credit scoring system. A good credit score is generally anything from 690 to 719 under the FICO score.

You may be concerned about the effect bad credit could have on your future ability to borrow money. Whilst it may be one of many factors that lenders take into account, it should not harm your chances of obtaining a short-term loan with Harpsey.

This is provided you can meet the other eligibility criteria including being over 18, having a stable income and employment and being able to afford the loan without running into financial difficulties.

What Lenders Specialize in Bad Credit Short-Term Loans?

We work with multiple lenders that specialize in bad credit short-term loans. It is worth pointing out that, the loan terms for bad credit customers are likely to be a little different to those offered to good credit borrowers.

For example, the loan may have an APR (relating to interest and fees) which is slightly higher and the duration of the loan may be set for a longer period to reduce the risk of a default.

Some bad credit lenders also give you the option of choosing a secured loan if you have an item of value you want to put up against the loan. Title loans against your vehicle like your car or truck is another option to consider.

These products put much less emphasis on needing to have a good credit score whilst offering equally competitive terms to bad credit customers.

What’s the Criteria for a Short Term Loan with Harpsey?

The criteria to apply for a short-term loan is as follows:

• You must be a US resident over 18 years old
• You must have a stable employment
• You must be earning more than $800 per month in wages
• You must have a live checking account where the lender can deposit the loan into

Our loan partners consider a wide range of credit scores and credit histories as part of their assessment criteria. Applicants with bad credit still have a strong chance of being accepted if they can pass the other checks carried out by the lender.

These checks are designed to asses affordability and to make sure the loan can be repaid in full and on time without running into financial issues. Most lenders do carry out a form credit check at the final stage of the assessment, but tend to accept applicants on their overall financial picture.

Does Harpsey Do Direct Lending for Short Term Loans?

Harpsey is not a direct lender when it comes to short-term loans. In fact, Harpsey matches loan enquiries with the best lenders in the US who are most likely to accept and approve them and who can offer the best rates to our customers.

Our loan connection service is designed around bringing together reputable and trusted lenders with borrowers who are looking for fast, convenient, and competitive loan products.

We do this through our proprietary technology platform that connects the best lenders with the borrowers most likely to be approved for a short-term loan. Our system ensures accuracy, security and reliability and you can be confident that you loan enquiry will be handled in a professional, confidential and supportive way.

What You Need to Do to Get a Short-Term Loan

Once you are matched with the best lender based on your loan preferences, it is up to you whether or not you want to accept the loan offer. If you do decide to proceed with a matched lender, you’ll be asked to sign a loan agreement with them and from that point onwards, you will have a direct contact with that lender.

We ensure that your details are securely protected every step of the way during the application. We only provide certain limited information about you to our network of trusted lenders to enable them to make a competitive loan offer to you.

How Do Loan Repayments Work with Short Term Loans?

With short-term loans, a lump sum is initially deposited into your checking account. You’re then required to make monthly repayments in equal amounts (otherwise known as installments) based on the duration of the loan. This typically ranges from 1 to 60 months but you’ll be able to select the exact period that suits you.

Monthly payments are automatically collected from your bank account on the due date that you agree upfront. This is typically the last working day of the month but you can adjust it with your chosen lender provided you give a few days notice. The system used for payment collection is called ACH, which runs efficiently and securely.

You can also contact the lender directly if you wish to repay your loan earlier than the due date. In fact, paying off the loan early can save you a considerable amount of money in interest which adds up over the course of the loan. The longer the loan period, the more interest you end up paying.

How Do I Apply for Short Term Loans Online With Harpsey?

Step 1 – Fill out our online request form

The loan request application is submitted online and takes no longer than 5 minutes to complete. You can do it via your cell phone, tablet or on your desktop. The form asks you basic questions about yourself. This includes your name, your address, your monthly income and expenses.

It also asks you to confirm how much you wish to borrow and the length of the loan. Once you’ve filled in the details, click proceed. We will then carry out a number of checks online to match your details with the best lender, near to you, with a fast and competitive loan offer.

Step 2 – Receive an instant decision on screen & sign a loan agreement

Once your application has been submitted, you’ll be taken to a screen instantly which gives an immediate decision with a provisional funding offer. You can choose to proceed straight away with your loan offer.

In order to move forwards, you will need to electronically sign a loan agreement, using a PIN code which is sent to your cell phone. You will also receive a secure email link to your email address – all of which takes just a few seconds. Your selected lender typically carries out some final checks to ensure your loan application is ready for funding without delay.

Step 3 – Receive money into your checking account

Once your loan application has been accepted, the final stage is funding. You will have provided your bank account details already, which the lender will use to transfer the funds to you in one single deposit.

Our lenders typically make funds available within 15 minutes from approval, but it can sometimes take 1 hour or slightly longer if you’re taking out a larger loan. Having said that, the maximum period is usually 24 hours or the next working day. Fast funding asap!

Why Should I Pick Harpsey as My Short Term Loan Lender?

For those looking for short term loan providers, Harpsey is on hand to support you with your search, whether you want to borrow $500, $2,500 or up to $35,000. We provide a fully online loan application process and don’t charge any fees.

Our aim is to make the loan connection process as simple as possible, and we work hard to provide you with a competitive loan offer from our network of reputable lenders. We only work with lenders who can provide fast funding into your bank account.

Our loan matching service can help to boost your chances of being accepted for a short term loan and get you funding on the same day. Instead of completing an application with every online lender one-by-one, or waiting in a queue at each bank – Harpsey connects you instantly with over 50 trusted lenders, cutting out the time-consuming work and form filling.

We then present you with the most competitive and affordable loan offers from our selected lenders, all bespoke to you. We cater for people with all different financial circumstances – those with good credit and bad credit scores. We also have options available for people looking for no-credit check loans and those with no credit histories.

We have a proven track record of helping many thousands of people with their borrowing needs every day. This is because we are a trusted short term loans partner to many returning customers.

We work hard to gain and maintain our customers’ trust and confidence. We have strong protections when it comes to information security and we do not pass it on to any third parties without your consent.

How Can I Get a Short Term Loan With No Credit Checks?

The prospects of obtaining a competitive and affordable loan with no credit checks is challenging, albeit not impossible. This is due to the fact that most online lenders will carry out a credit check as a normal and routine part of their customer eligibility checks before providing any loan.

The reason for running a credit check is that it enables the lender to have a snapshot of a customer’s credit history. This shows how the customer has fared previously with taking out credit such as other loans and credit cards. They assess a customer’s future credit-worthiness based on their previous behaviour when it comes to managing debt.

When it comes to no credit check loans for customers who may have struggled to pay off different forms of debt in the past, we work with several lenders who can support different financial circumstances and needs despite having bad credit. There’s nothing to lose in seeing what your options are with Harpsey.

If you are adamant that a no credit check loan is the only option for you, our lenders offer secured loan products such as a title loan or auto loan. This form of loan requires collateral to be put up as security for the loan and the credit score is not considered. There are also options from credit unions and certain apps for no credit check loans.

What Information is Needed to Apply For a Short-Term Loan?

In order to apply for a short term loan with Harpsey, you’ll need to provide some basic details as part of the application process. This includes your name, address, age as well as your information about your financial situation such as your monthly income, expenses and any debts.

Importantly, you’ll need to specify the amount of the loan you wish to borrow and the period you want to pay it back over.

In order to meet the eligibility checks with our lenders, you’ll also need to provide a copy of your state ID and driver’s licence if you have one. Finally, in order to receive the loan, you’ll need to provide a valid checking account, a cell phone number and email address.

Our premium matching system means that you will automatically, within a matter of seconds, be connected to the best lender that fits your overall profile and funding requirements.

If you choose to go ahead with the selected lender and loan shown on your screen, some final checks are usually carried out by the lender whilst the funding is made available to you. The lender then sends loan money directly to your bank account within 24 hours or on the next business day from approval.

Short Term Loans | FAQs

If you are not able to repay your loan on time, we recommend speaking to your lender as soon as possible. They will usually offer you a more affordable repayment arrangement that eases the financial strain.

This can involve extending the loan term over additional months or years so you’re paying less each month as the balance of the loan is spread over a longer period. If you miss your repayments without first talking to your lender, you may be charged a late fee or a penalty fee. This can also harm your credit score. Always engage with your lender as early as possible to prevent adverse issues.

A short term loan will typically cost anything from 36% to 600% APR depending on a range of factors including your affordability, income and credit status.

When it comes to payday loans, you’re typically looking at APRs of 300% to 600% based on the lender, and your overall financial picture.

APR is a measure of the interest and fees added together on a loan and represented as a percentage over a 12 month period (which is often why it appears so high despite only taking a loan of a few months).

Other types of loans like personal loans and unsecured loans for good credit scores have a typical APR of 36%. Again, this is dependent on your financial situation and sometimes where you live.

For smaller loans of up to $1,000, we work with some of the fastest lenders in the industry who boast funding speeds as quick as 15 minutes up to 1 hour for loans to be deposited into your bank account.

For larger loans above $1,000 up to $35,000, this usually happens on the same day or within the next business day if further checks are required. Still pretty fast!

In terms of how long you can borrow a short-term loan for, Harpsey offers borrowers the flexibility of choosing between 1 to 60 months in duration. The repayments are collected each month in equal installments.

This means you can choose a very short-term loan or a longer long depending on your individual preference. Our lenders also offer the option for borrowers to pay a loan back earlier than originally intended, if you wish to do so. This helps to reduce interest payments on the loan.

We offer a full range of short-term loan products including bad credit loans, unsecured, payday, installment, secured, title, loans related to apps and credit unions. We match your loan request based on the lender most suited to your needs.

You can typically borrow loans of between $100 to £35,000. The size of the loan will be dependent on your overall financial picture including your employment income, affordability score, credit profile and total earnings. If you wish to take out a larger loan, you may be eligible but the lender may require you to take it out over a longer period to make sure it is affordable to you.