#4. PersonalLoans – Best for High Lending Limits

#4. PersonalLoans – Best for High Lending Limits

CashUSA’s loan application method is simple, and its website is very user-friendly. The platform lets you apply for a short-term loan from as little as $500 or the way up to $10,000. These loans have APRs ranging from 5.99% to % and their repayment period of three to 72 months. A streamlined loan approval procedure results in money being disbursed within one business day.

CashUSA does not just let you apply for a loan. It is very transparent about its lending process. The platform provides you with enough information on how you can evaluate the offers you get from lenders.

Because customer privacy is an integral part of its policy, CashUSA prides itself on its website’s most advanced encryption technology. As a result, you can rest assured that the data you share on their site will be kept safe and will not be accessed by fraudsters.


Simple Repayment Procedure: Lenders on CashUSA have a very smooth loan repayment process. Your lender will automatically deduct funds from your bank account on the due date. However, if there are not enough funds in your account, the lender will contact you to remind you to make your payment. If you don’t have enough funds, you might request your lender for an extension.

Flexible Loan Terms: CashUSA lets you negotiate the terms and conditions of your loan with your lender until you are satisfied that they can meet your needs. The lender payday loans in Lenoir TN will explain everything in detail. These include the specific charges and interest rates, which are quite reasonable. Lenders on this platform will allow for repayment periods ranging from three to six months which is quite flexible.

Instant Funding: CashUSA makes every effort to promptly review and approve your application. You will receive your money within one business day after your request is approved and you have agreed to a particular lender. You can expedite the process by ensuring you have the necessary details in advance.

Simple Eligibility Requirements: Unlike some other lender platforms, CashUSA has partnered with lenders who offer loans to individuals from all walks of life. The eligibility criteria may differ according to the lender’s credit requirements. However, all credit profiles, including bad ones, are accepted. Anyone aged 18 years and is a U.S. citizen or permanent resident can qualify for a loan. Other requirements include having a valid bank account, phone number, email address, and an income of $1,000.


  • Loans tailored to each customer’s situation and history
  • Excellent education center
  • Loans can be repaid in up to 72 months


  • Interest rates are as high as % for bad credit
  • The maximum loan offered is $10,000

PersonalLoans is the last lender platform on our list of best short term loans for bad credit. The platform offers a quick and flexible method of connecting borrowers to lenders. The lenders on this platform offer short-term loans with instant approval to people with bad credit. They can offer loan amounts up to $35,000.

PersonalLoans’ streamlined online process connects customers and potential lenders for free without intrusive advertisements. The loan is available in 24 hours, and the repayment period usually ranges from one month to 72 months. That is, however, subject to the terms and conditions you agree to with your lender.

For a short-term loan application, you need to fill out the application form on the platform`s official website. You will provide your personal and banking information. The information you provide will be sent to an extensive network of lenders. These lenders are willing to offer you a short-term loan. The process only takes a few minutes. Then you are good to go.