Referral service · Not a lender SedanFinance
A quiet country lane between green hedgerows and stone walls at sunrise behind the SedanFinance loan request form, $100 – $5,000

Short term loans$100 – $5,000All credit types considered

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$100 – $5,000 · funds as soon as the next business day, if approved

256-bit SSL · Free to request

  • Secured by SSL
  • Free to request
  • All credit types considered
  • One request, many lenders

One expense too many this month?

SedanFinance is not a lender. One request for $100 – $5,000 goes to a network of lenders. Every offer shows its cost and dates before you agree.

Recognise one?

Been through this?

  • IThe phone screen shattered.
  • IIA family member needs help.
  • IIIThe rent check bounced.
  • IVA tooth needs a crown.
  • VPayday got pushed back.
  • VIA ticket needs paying this week.

One request for $100 – $5,000 to lenders in our network. Some lenders fund as soon as the next business day, if approved.

Start my request

Three marks

How SedanFinance works

One form on your phone. Lenders do the deciding. You do the reading.

  1. I

    Send one request

    Amount, contact details, a few income questions. A few minutes on a phone, encrypted end to end.

  2. II

    Lenders take a look

    Your request reaches lenders in our network. Each one decides on its own terms.

  3. III

    Read before you sign

    Any offer shows its APR, fees and due dates first. Accept it, or walk away owing nothing.

Before you start

What you need to apply

  • 18 or older, living in the USAvailability varies by state.
  • A steady source of incomeA job, benefits or self-employment.
  • An active checking accountIn your name, for deposit and repayment.
  • A phone number and emailSo a lender can reach you with an offer.
A quiet country lane between green hedgerows and stone walls at sunrise, the SedanFinance view of short term loans, $100 – $5,000

Short term loans

Plain from start to end.

Lenders list the full cost and repayment dates first.

Representative costs

What any offer has to show you

Lenders set the terms. You see all of them before you sign.

APRThe yearly cost, interest and fees together. Short-term loan APRs can be high and may exceed 200%.
Finance chargeThe total cost of borrowing, shown before you agree.
Repayment scheduleEach due date and each payment amount.
Late and returned-payment feesSet by the lender, written into the agreement.
Renewal or rolloverWhether the loan can be extended, and what that costs.

SedanFinance does not set rates or fees. Terms vary by lender and by state. Borrow only what you can repay on the schedule shown.

Questions

Short term loans, answered

How much can I request?

Anything from $100 to $5,000. A lender may offer a different amount after its own review.

Will a lender check my credit?

A lender may run its own credit check as part of considering your request. Each lender explains how it reviews requests before you agree to anything.

How fast could funds arrive?

That depends on the lender and your bank. Some lenders fund as soon as the next business day, if approved. Any offer shows its timing before you agree.

What do I need to apply?

You need to be 18 or older and a US resident, with regular income, an active checking account in your name, and a phone number and email you use.

Can I get short term loans with bad credit?

Lenders in our network consider all credit types. A lower score can mean fewer offers or different terms, and approval is never certain, but it does not stop you from sending a request.

Is SedanFinance a lender?

No. SedanFinance is a referral service, not a lender. We pass your request to lenders in our network, and any offer comes from the lender, on the lender's terms.

Your request takes minutes.

$100 – $5,000 through a network of lenders. Free to check. Nothing to sign until you choose.

See my options