• Short Term Loans
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    Apply for a short term loan
    and get approved today.

    *APR varies from 6.63% to 1386% depending on lender.


Short Term Loans Online


Is a short term loan right for you?


Whether you are looking to finance a significant purchase for yourself or a loved one, or if you are looking for that extra financial boost to your business, short term loans can be the solution to your immediate money needs. For short term loans with complete protection, why not consider borrowing from one of our recommended lenders.



Your secure solution could be an online short term loan.


Our lending network ensures your safety and satisfaction when borrowing short term funding. Depending on your repayment preferences, you can opt for a lump sum repayment of your loan or choose to borrow with an installment loan for spread-out monthly repayments over a more extended period.




Apply for your short term loan online.


Fast application, high approval and complete protection.



America’s most trusted source of short term loans


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Your most common short term loan questions


What is a short term loan?

A short term loan is usually scheduled to be repaid in less than one year. Short term loans can also be used to meet financial needs within a few days and are a viable option for businesses or individuals who cannot obtain credit from a bank.

Where can I get a short term loan?

Short term loans are easy to obtain at physical lenders’ locations, as well as online. For short term loans online, make sure to have a look at our recommended lenders for safe and secure borrowing.

How can I qualify for a short term loan?

Can I get a short term loan with bad credit?

For short term loans with bad credit, your options may be more limited. However, a cash advance is still an option for you in the form of an unsecured short term loan. You should be aware that whereas these types of short term loans require no credit check, the interest rates are fairly high.

How long is a short-term loan?

A short term loan is meant to be repaid with interest over an agreed upon period. Short-term loans must at most be repaid within 3 years of being taken out.


Why choose Online Credit USA for your short term loan?


Three important reasons why we are America’s #1 choice

Short Term Loans With Safety


We screen members of our lender network carefully to ensure a high standard of service is provided to our valued customers.



Borrowers Protection Shield


Our borrowers protection shield is worth it’s weight in gold, protecting our customers and making sure you are treated fairly.



Quick Money To Your Bank


If you need your money fast, our lenders will get your funds into your bank quickly, often on the same day as your application.






Four Easy Steps To Get Your Money Fast


Get the safety you deserve when applying for a short term loan online


Apply Online

Apply & let us search our powerful lender network for you

Agree & Sign

Agree to your short term loan & sign your documents online

Get Your Cash

Receive your cash directly within hours of your loan approval

Protect Yourself

Register for our Borrowers Protecion Shield for total protection

Short term loans usually offer a 2-digit APR compared to other types of unsecured loans.





Being eligible for a short term loan means that you can benefit from lower interest rates compared to other types of lending. While payday or cash advance loans may appear more readily available and accessible compared to short term loans, they are typically far more expensive long term and can cause you more money troubles down the line.



How to get a short term loan


We can help you decide on which lender is best for you via our lending network. To apply for short term loans online, you will need to be able to verify your identity, employment status, and income. Once you review the terms of your loan offer, you can agree to it and receive access to your funds quickly with a repayment plan in place.



Providing secure & safe loans for customers across America