Get a Quick Cash Loan Today
Life doesn't give you advance warning when financial emergencies strike. A quick cash loan bridges the gap between urgent expenses and your available funds, delivering money to your account when time is critical.
Different lenders have different rules and rates, so comparing multiple offers helps you get the best deal. 24CashFast isn't a lender—we're a matching service. We send your application to many licensed direct lenders at once, so you get several offers without filling out tons of forms.
Main Types of Quick Cash Loans
Quick Cash for Short-Term Needs
Payday loans are ideal when you need cash fast and can repay it quickly—usually by your next payday. Perfect for short-term emergencies where you just need to bridge a few days or weeks.
- Amount: $100 – $1,000
- Repayment: 14-31 days (single payment)
- Cost: About $15-$20 per $100 borrowed (≈391% APR)
- Speed: Often approved within hours
If you borrow $400 for two weeks with a typical $60 fee, you'll repay $460 on payday. To qualify, you need to be 18 or older, a U.S. citizen or resident, have a steady monthly income of at least $800-$1,000, and maintain an active checking account.
Larger Amounts with Extended Repayment
For bigger expenses that require more time to repay, an installment loan can give you the funds you need with fixed monthly payments that fit your budget. You can typically borrow $1,000 to $40,000 over 6-60 months with fixed APRs ranging from 6.99% to 35.99%, and no collateral is required.
For instance, borrowing $5,000 at 18% APR for 24 months means monthly payments of around $249 with total interest of approximately $976. Lenders usually require mid-to-good credit (580+), verifiable income, a debt-to-income ratio below 45%, and a U.S. bank account.
Compare Your Options at a Glance
|
Loan Type |
Amount |
APR Range |
Repayment |
Collateral |
|
Payday |
$100-$1,000 |
200%-400%+ |
1 lump sum, 2-4 weeks |
None |
|
Installment |
$1,000-$40,000 |
6.99%-35.99% |
6-60 months |
None |
The choice comes down to your needs: payday loans for speed and small amounts you can repay fast, or installment loans for larger sums with predictable monthly payments.
Your Simple 5-Step Application Process
Applying to lenders one by one can take hours and hurt your credit with multiple hard pulls. 24CashFast streamlines the entire process into five simple steps:
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Complete our single request form. You enter your contact info, income, desired amount, and checking-account details over our encrypted connection.
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We match you instantly. Our system checks your data against dozens of direct lenders and shows you any preliminary offers in seconds.
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Review lender terms. If you like an offer, read the full loan agreement. Look for the APR, fees, payment schedule, and late-payment rules.
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E-sign and verify. Accepting the offer triggers a quick ID and income check. Most lenders use electronic pay-stub upload or bank-account verification—no faxing.
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Get funded. Approved payday and title loans can fund the same business day; installment loans usually fund within one to three days.
Will Poor Credit Stop You from Getting Approved?
Not necessarily. Most lenders in the 24CashFast network evaluate applications based on your current ability to repay rather than focusing solely on credit scores. Even with a score below 580, you can still qualify if you meet their income and stability requirements.
Lenders typically prioritize your monthly income (generally $800 or more), employment or benefit history spanning at least 90 days, an active checking account, and valid contact information. While poor credit may result in higher interest rates, it doesn't automatically disqualify you from consideration.
To improve your approval odds, ensure your income details are precise and maintain a clean banking record in the 30 days before applying, as some lenders may review recent account activity during their decision process.