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Why Choose a Payday Loan?

  • Payday loans are the preferred loans to meet small and short-term financial needs.

  • It can be applied and availed online very easily

  • Available for all credit types without collateral

  • Quick Approval and no elaborate paperwork

  • Plenty of lenders available to provide an instant payday loan.


payday loans shorttermcredits

What Are Payday Loans?

A Payday loan is a small-sized loan that is availed from a private lender or financing company. It is also called as ‘salary loan’, ‘cash advance loan’, ‘small-dollar loan’, etc. It is usually repaid on the next payday of the borrower or when the paycheck arrives. The taken loan amount, along with the interest rates and fees is repaid as a lump sum amount.

Be it an emergency or that unexpected car repair or if you have to fix the broken pipe at home, then the best option to get quick money would be from the payday loans. If you are looking for the loan to buy that limited edition jacket of the Marvel Avenger’s, then this loan is not for you. The lender will provide the loan only if you need it for a genuine reason and not for your luxuries or fantasies.

You can avail your instant payday loan irrespective of your credit scores by submitting your request at shorttermcredits.com and get connected with the most dependable lenders.

Get Your Payday Loan, Right Now!


To avail a payday loan from a private lender, you will only have to submit the following details. There is no other elaborate checking done and you can get your payday loan at the earliest.


  • Proof for Age and Residency.
  • Your Valid Social Security Number.
  • ID Proof issued by the US Government.
  • Income & Employment Proof
  • Active Checking Account Details.


Go through our website well and know if you are eligible for a suitable loan with us. There a few states in the US where the quick loan practice is prohibited. The final decision about approving your loan shall be made after checking with the regulations as per your residential state.

APR Disclosure:


'shorttermcredits.com' is not a direct lender and therefore, it does not have any control over the APR that will be offered to you by the lenders. We will display a representative APR that is based on the data taken from multiple lenders. The APR will range from 5.99% to a maximum of 35.99% with a repayment tenure ranging from 61 days to 180 months. The actual applicable APR will depend on your credit score, loan amount, loan term, the credit usage, and history, and shall be agreed upon by you and the lender.

Representative APR Example:


$1,000 loan taken over a 12-month term will have a total payback amount of $1,134.72, at an APR of 29.82%. The loan amount does not need to be paid as a lump sum and can be repaid in installments.