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Find The Best Short Term Loans With Pheabs
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Looking for Short Term Loans in the USA? Pheabs is here to help. Simply click on "Get Started" below and you can borrow $100 to $35,000 and money could be in your account on the next working day.

Where Can I Find Short Term Loans Near Me?


We have short term loan options in almost every state of the US, so we can connect your loan request with a local provider and help you find the quickest, effective and most affordable option.

What is a Short Term Loan?

A short term loan allows you to borrow between $100 to $35,000 but for a short-term period of just a few months. At Pheabs, we offer loans that are repaid over 1 to 60 months in equal installments and they are designed to tide you over until you get into a better financial position, or perhaps if you have a particular purchase or expense, such as a new car, starting a business, debt consolidation or even a wedding.

You can receive money upfront and use this for your purchase and then you simply repay the loan each month and this is collected on a date that you agree with the lender, usually the last working day of the month when you receive your salary from work.

Examples of short term loans include unsecured, payday and installment loans, since these are usually for a short-term purposes and are not for the long-term, such as a mortgage.

At Pheabs, we work with a number of short term lenders in the USA, including stores and apps, so that you have a wide choice and can be connected to the right lender for you.

Does Pheabs offer Short Term Loans for Bad Credit?

Yes, we can facilitate short term loans for poor credit histories. You just need to make sure that you meet the eligibility criteria which includes being over 18 and having a stable employment and income so that you can afford to repay your loan on time.

At Pheabs, we understand that keeping a perfect track record when it comes to your credit history is not always possible and there are emergencies that can happen. But if you are committed to repaying your loan on time each month, we are delighted to offer a a number of short term lenders that can assist you today.

Not every lender specialises in good credit loans, some of our partners offer products for people with bad credit. To facilitate this, they may offer slightly higher rates, or longer term loans which give you more breathing space to pay back. Our partners may also suggest products such as secured loans or title collateral loans against your car, which means that you do not need a good credit score to be eligible.

What is The Criteria For A Short Term Loan From Pheabs?

The criteria for a short term loan is that you are:

  • Living in the US full-time
  • Over the age of 18
  • Stable employment
  • Earning a minimum of $800 per month (either part-time or full-time)
  • Have a live checking account for your loan to be deposited into

Our partners will always carry out a series of checks to ensure that you can repay your loan on time and without falling into financial difficulty. Most of our lenders will carry out a credit check, but our partners will always happily consider different credit scores and backgrounds.

Is Pheabs a Short Term Loans Direct Lender?

No, Pheabs is not a direct lender since we match your loan enquiry with the best lender in the US who can approve it and offer you the best rates. We are a technology-driven platform which processes thousands of data points when you apply for a loan – and this allows us to find the best lender for you.

There are certainly benefits of working with a direct lender, since it means that your details are not being passed around and you know exactly who you are working with.

But do not fear, Pheabs is passionate about offering a secure platform and once you have been given a loan decision, you can work with your chosen lender every step of the way. You can have peace of mind that your details are safe, they will not be shared with third parties and that there are no other middlemen involved.

How Do My Loan Repayments Work?

Your short term loan repayments are collected in equal monthly installments, depending on the duration of your loan which ranges from 1 to 60 months.

Our repayments are collected automatically using a system known as ACH which means that collections are taken automatically from your account on the due date, which is usually the last working day of the month.

This means that payments are taken automatically and therefore you do not need to call up, make a manual payment or go to the bank, since this is all straightforward.

You will always have the option to repay your loan early by contacting the lender directly. In fact, clearing your account could save you a lot of money since less interest is adding up. So the longer you keep your loan open, the more it will cost.

How To Apply for Short Term Loans Online with Pheabs

Step 1 - Apply Online in Less Than 5 Mins

Our entire loan application is completed online and can be done in just 5 minutes, using your desktop, cell phone or tablet. We require some basic details about yourself, your address, your monthly income, expenses, how much you wish to borrow and how long for. Simply click proceed and we will run a number of checks to partner you with the best lender on our network.

Step 2 - Get an Instant Decision & Sign Your Loan Agreement

You will receive an immediate decision on the screen with a provisional loan offer and you can choose to proceed right away! You will need to electronically sign the loan agreement using a PIN code sent to your cell phone and a unique email link sent to your email address – and this takes just a few moments. Your chosen lender will then undergo some further checks and get your loan application ready for funding.

Step 3 - Receive Funds into Your Account

Once fully approved and checked, your lender will get your loan ready for funding and this can be sent to you in one lump sum upfront to your bank account. Funds can be available in just 15 minutes or 1 hour, with larger loans taking just a little longer – although this is often the same day or next working day. Success!

Why Should I Use Pheabs As My Short Term Lender?

When looking for short term loan companies, Pheabs is delighted to be here when you need us. With a fully online process and no upfront fees, we aim to get you a loan decision and funds into your bank account as fast as we can.

Acting as a loans connection service, we can significantly maximise your chances of being approved and funded today. Rather than going to each lender one-by-one or queuing up at the bank – we can connect you to over 50 competitive lenders immediately and you will be presented with the most affordable loan offer, personalised just for you.

With options available for bad credit scores and no credit checks, we have successfully helped thousands of customers to date and are pleased to be your short term loans partner. Plus, we take extra precaution to keep your details safe and we will not pass these on to any other companies without your permission.

Can I Get A Short Term Loan With No Credit Checks?

If you are looking for short term loans without credit checks, this might be tricky since most of our lenders will run a credit check to confirm your eligibility. After all, being able to see your previous credit history and how well you have paid other types of loans or credit cards is a good indication of your future behaviour.

But if you want no credit check loans, we have a number of lenders on our panel who can accommodate different requirements and circumstances – so do not worry!

For example, you may be presented with an option from a credit union, an app or even a secured product such as a title loan or home loan, where you require collateral and your credit score is not required.

What Information Do I Need to Apply For a Short Term Loan?

You will just need to enter some basic details about yourself, including your name, age, address, income, employment, expenses, driver’s license number or state ID, valid checking account, phone number, email address and the loan amount and how long for.

With Pheabs, you will be matched with a partner lender automatically and if you wish to go ahead, they will undergo some additional checks and if successfully approved, your loan can be funded in 24 hours or the next business day.

FAQs About Our Short Term Loans

We offer loans between $100 to $35,000 and the amount you can borrow will depend on how much you earn per month, your employment, residential status, credit score and affordability. For longer term loans, these are likely to be spread over longer periods of time.

Pheabs offers loans over 1 to 60 months, repaid in installments, so you have the option for a quick loan or one that is much longer term. You always have the option to repay your loan early if you would like to and you can usually save money by doing so.

We can facilitate funds sometimes in just 15 minutes to 1 hour for smaller amounts under $1,000. For larger loans, this can still be made available on the same day (24 hour), next day or within a few days of applying.

A short term loan costs from 36% to 600% APR depending on how good your credit score is and other factors such as your income and residential status. Payday products are usually around the 300% to 600% APR mark because they are usually for short term purposes, but multiplied again and again as though they last an entire year. More personal or unsecured loans for good credit are around the 36% APR mark – and other factors such as the state you live in can also determine how high or low the rate is.

Our products include payday, installment, bad credit, unsecured, secured, title, credit unions, apps and more. You may be presented with a number of options or the best one according to your circumstances.

If you are struggling to repay, your lender will be in touch to discuss a more affordable arrangement. This may involve spreading repayment over several months or years to help you pay back your balance in a more affordable way. Defaulting on payments may incur late fees and also negatively impact your credit score. Always speak to your lender as early as possible to avoid any negative implications.