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5 Best FinTech Solutions For Short Term Loans

short term loans

Regardless of how carefully you organize your expenses and budget, unanticipated financial crises will come through, prompting you to seek swift solutions. 

Nevertheless, emergency short-term loan programs provide cash in a matter of hours or days to individuals in need of their financial services. In this post, we’ll go over the best payday loans you can acquire in an emergency and how you can get them.

1. Viva Payday Loans 

Viva Payday Loans can assist you in quickly resolving any financial issue by offering no-guarantor loans in an instant. After submitting your application, one of Viva Payday Loan lenders will examine your form and will let you know whether you’re qualified for the loan.

Once your request is approved, you’ll get linked to a lender who will give you the loan. Luckily, the platform offers a variety of loan amounts, even if you want just a few bucks to cover an unexpected need or thousands of dollars for investment.

Additionally, your bad credit rating will not affect your loan approval; the credit payday access will connect you with reputable lenders, so you won’t go around looking for another loan alternative. What’s more, Viva Payday Loans also provides unemployment payday loans 1 hour if you’re out of work or are assisted by the government.

The interest rates always differ depending on a lender, usually varying from 5.99 % to 35.99 %.


  • The loan application and approval procedure take only a few minutes. Loan disbursement is done as soon as it’s approved.
  • Depending on your needs, loan amounts range from $200 to $5,000.
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  • The service is only available in some states.

2. Money Lender Squad 

Money-Lender Squad is another lending service that offers its clients low-interest, non-guaranteed loans. The website provides payday loans with quick approvals for poor credit scores. It can provide you with a no-credit-check personal loan to repay in up to two years or a two-month short-term loan.

Applicants fill out an online form with their personal information and provide supporting documentation. Money Lender Squads’ primary concern is affordability; therefore, there is no primary credit assessment.

It simply takes a few minutes to apply for a bad credit payday loan with Money Lender Squad. Customers only need to fill out an online form with their details and submit it for review. The application is then sent to lenders who can accept it through an automated service.

When your request is approved, one of the lenders will reach out to you and direct you to their page to complete the application process. The lender will subsequently determine if you can repay the loan comfortably.


  • There are options for long-term financing.

There is no need for a guarantor to apply. The application is quick and straightforward.


  • Your interest rate will be greater if you have a bad credit rating.

3. Credit Clock 

Credit Clock lenders offer personal loans, payday loans, emergency loans, and quick bad credit loans. The service has a simple loan approval method, speedy pay-outs, and, more importantly, accepts clients with a low credit score.

When you need quick cash to solve your problems, Credit Clock is a good bet since its fast approvals save time and allow for a quicker pay-out. Check if you fulfill the company’s minimal income requirements before filling out your application form.

This platform can be used by anyone above the age of 18 who’s a recognized and lawful citizen of the United States to seek financial assistance from approved lenders. If needed, customers may be required to provide proof of residence and income during the application process.

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  • Approval takes only a few minutes.
  • You can get your money within 24 hours after approval.
  • Bad credit applicants are welcome to apply.
  • The program is open to all united states citizens above 18 years.


  • Qualification is dependent on affordability since there is a $1,000 minimum income requirement.
  • Some of your personal information is needed; you’ll have to ensure you have all the required documents before approval.

4. Very Merry Loans

Very Merry Loans online service connects eligible applicants with approved lenders all over the United States. After properly presenting your application, you may get your cash in just a few minutes—loans are often paid out within 24 hours after the lender’s approval. As luck would have it, even those with weak credit scores may be able to receive Very Merry payday loans instantly.

The website offers loans ranging from $200 to $5,000; therefore, you can use the service to request a payday loan that fits your needs. You must be above 18 years, a United States resident, and have a monthly income of at least $1,000. 

In some cases, a lender may require a confirmation of identity or residency. Very Merry Loans is popular for its straightforward lending strategy. Their system features a list of certified and reputable lenders, a short application process that takes a few minutes to complete, and a quick pay-out time.

Depending on the contract arrangements, customers pay back their payday loans within seven to thirty days. Extended loan terms are also available, lasting for 24 months or more.


  • Individuals who are unemployed or have bad credit scores can apply.
  • They offer loans with a more extended repayment period. The annual percentage rate (APR) ranges from 5.99 % to 35.99 %.
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  • The application is only open to citizens of the United States.
  • Customers must return the high-interest financing after 30 days.

5. Heart Paydays

Heart Paydays eliminates the time-consuming component of retail loan applications by issuing relevant online loan services. The applicants for this payday loan complete the whole online application process in less than five minutes.

Heart Paydays pays out your money within an hour of approval, at the latest, within 24 hours. The service is well-known for granting loans to those rejected by other lending institutions.

Regardless of whether you have terrible credit, are out of work, get government aid, or need some fast cash to sustain you until your next salary arrives, you can get a loan from Heart Paydays.

Furthermore, the platform is recognized for offering low-interest loans, notably short-term loans. Most lenders using the marketplace keep their rates low, with the highest APRs hitting 35.99 %.


  • The application process does not involve any papers or phone conversations.
  • The pay-out time is often short, only within an hour after approval but may take 24 hours whenever a delay occurs.


  • There are high-interest rates in some loan categories.

Bottom Line 

Although payday loans can be an excellent solution during emergencies, they can lead you into a giant debt trap. Whenever a crisis occurs, but you have bad credit and little funds, you may feel that your options are limited. 

However, taking out a payday loan can have a detrimental impact on your credit, whatever funds you may well have, and perhaps could land you in trouble with the authorities should you fail to repay the debt.

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