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Free to check · Won't affect your credit score3

The cash you need, when you actually need it.

Tell us how much and how soon. We match you with licensed lenders who work with your credit and your state, for title loans, personal loans, installment loans, cash advances, and more. Funds can arrive as soon as the next business day once you're approved.2

  • Options whether your credit is strong, fair, or still being built3
  • From $100 to $50,000, depending on the loan type and your state5
  • Every rate and fee in writing before you sign anything4
Or talk to a person (800) 236-7761 Seven days a week, 7 a.m. to 9 p.m. Central. Toll-free.
Licensed lenders onlyEvery lender holds the licenses its state requires. No offshore shops.1
Minutes, not daysMost people see whether a lender is interested the same day, often while they're still on the page.2
Soft check to lookA lender runs a full credit check only if you choose to continue with their offer.3
Your information stays putShared only with lenders who can serve your state. Never sold to unrelated marketers.

All the ways to borrow

Eight kinds of loans. One form finds the right one.

You don't have to know which product you need. Tell us your situation and the form routes you. Or read the page for any of these first.

Title loans

Borrow against a vehicle you own outright. Keep driving it. Credit matters less than the car.

Amount$300 to $25,000
FundsSame or next day
See title loans

Emergency loans

A bill that can't wait: a repair, a medical visit, a deposit due Friday. Fastest route to funds.

Amount$100 to $5,000
FundsOften same day
See emergency loans

Personal loans

Unsecured, fixed rate, fixed end date. The cleanest way to borrow a larger amount.

Amount$1,000 to $50,000
Term1 to 7 years
See personal loans

Installment loans

Equal payments on a schedule you can see in advance. Easier on a budget than a single due date.

Amount$500 to $10,000
Term3 to 36 months
See installment loans

Cash advance

A small amount to bridge to your next paycheck. Expensive by design; use it for the short term only.

Amount$100 to $1,000
Term2 to 4 weeks
See cash advances

Payday loans

Due on your next payday. Legal with limits in some states, capped or banned in others. We check.5

Amount$100 to $500+
Term14 to 31 days
See payday loans

Signature loans

Your signature is the collateral. For people with steady income and fair-or-better credit.

Amount$1,000 to $20,000
Term6 to 60 months
See signature loans

Bad credit loans

Lenders who look at income and banking history, not just a score. Higher rates, real approvals.

Amount$500 to $10,000
CreditUnder 600 welcome
See bad credit loans

How it works

Three steps. No appointments, no waiting room.

Tell us what you need

How much, what for, how soon, and a little about your income and credit. No Social Security number or documents at this stage.

About 2 minutes

Lenders review it

Licensed lenders who serve your state and your credit profile see your request. Interested ones reach out with real terms: APR, fees, payments.2

Minutes to same day

Pick one, or none

Read the offer. Ask questions. Sign only if the numbers work. Approved funds usually land by the next business day.2

Next business day funding

How much can you borrow?

It depends on the loan, your income, and your state. Here's the range.

Cash advance / payday
$100 to $1,000State caps apply
Emergency loans
$100 to $5,000Fastest funding
Bad credit / installment
$500 to $10,000Income-based
Signature loans
$1,000 to $20,000Fair credit or better
Title loans
$300 to $25,00025% to 50% of vehicle value
Personal loans
$1,000 to $50,000Good credit for the top end

Ranges are typical across lenders in our network and are not a guarantee. Your state sets maximums for some products; your lender sets your actual offer.45

Straight talk

What we'll always do, and what we never will.

Short-term lending has a reputation problem, and some of it is earned. We'd rather be the site that says the uncomfortable parts out loud.

If a cheaper option exists, we'll tell you. A credit union Payday Alternative Loan caps at 28% APR by federal rule. An employer advance costs nothing. Nonprofit credit counseling is free at nfcc.org. Check those before a short-term loan.

  • Every lender is licensed in your state. We verify it before they see a single request.1
  • Every rate is in writing before you sign. APR, total cost, and payment schedule. Federal law requires it; we hold lenders to it.4
  • No fee to you, ever. Lenders pay us a referral fee. You never pay NeededCash anything.1
  • No "guaranteed approval." No licensed lender can promise that, and anyone who does is the opening line of a bad deal.
  • No upfront fees to "release" a loan. Licensed lenders deduct fees from the loan or bill them in payments. Pay-first is a scam, every time.
  • Your information goes to lenders, not marketers. And our do-not-sell page lets you opt out of any sharing.

Ask your AI

Want a second opinion? Ask ChatGPT, Perplexity, or Claude about NeededCash.

Each button opens your assistant with a question already typed: how these loans work, what to check before applying, and what to ask a lender. Nothing is sent to us.

GChatGPT PPerplexity CClaude XGrok

Loans near you

The rules change at the state line. Your page shows yours.

Search your city. Each page covers what's legal in your state, maximum amounts and fees, the regulator to call, and local alternatives.

Browse all states and cities

Questions

What people ask before they fill out the form.

Is NeededCash a lender?

No. We're a free matching service. You tell us what you need, and licensed lenders in our network who serve your state decide whether to make you an offer. The lender sets your rate and terms and is who you repay. Lenders pay us a referral fee; you never pay us.1

Will checking my options hurt my credit?

No. Matching uses a soft inquiry, which doesn't affect your score. If you accept a lender's offer and continue, that lender may run a full credit check, which can lower your score by a few points for a short time. You'll know before that happens.3

How fast can I get the money?

If a lender approves you and you sign before their cutoff (often mid-afternoon), funds typically arrive the next business day. Some lenders offer same-day deposits for a fee. Title loans done in person can fund the same day.2

Can I get a loan with bad credit?

Often, yes. Many lenders in our network weigh income, employment, and banking history more than a score, and title lenders look mainly at the vehicle. Expect a higher APR than someone with good credit. Our bad credit loans page explains what's realistic.

Do I keep my car with a title loan?

Yes. The lender holds the title (or a lien on it) while you repay; you keep driving. If you stop paying, the lender can repossess the vehicle, which is the real risk of this product. Our title loans page covers it in detail.

Are payday loans legal in my state?

It depends. About a third of states cap them at or near 36% APR or ban them; the rest allow them with limits on amount, term, and fees. Your city page states the rule for your state and links the regulator.5

Two minutes to find out exactly where you stand.

No documents, no Social Security number, no effect on your score. Just the real options available to you today.3

See my options (800) 236-7761
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