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Review terms, pros and cons

Examine conditions, advantages, drawbacks and risks

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credits Leading online loan ranking

Unbiased comparison of payday and short-term loans available in the United States

Score

10.0

Repayment term

93+days

Sum

100–5000USD

Rate

0.06%per day

Approval time

5minutes

Payout

Score

9.9

Repayment term

93+days

Sum

500–50,000USD

Rate

0.06%per day

Approval time

5minutes

Payout

Score

9.8

Repayment term

93+days

Sum

100–5000USD

Rate

0.06%per day

Approval time

2minutes

Payout

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Borrowing cost calculator

Calculate interest using a daily rate. The numbers are for illustration only.

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CrediHelp maintains an independent ranking of online payday and short-term loans offered in the United States. We put published amounts, rates, terms, eligibility rules and decision speed next to each other so conditions can be reviewed together. We do not grant loans, handle applications, or sell credit products.

What a microloan is

A microloan, sometimes described as a payday-style online loan, is short-term consumer credit, typically for a relatively modest sum. Lenders publish amount limits, interest or fees, the repayment period, and who may apply. Our pages gather those public conditions for comparison — they are not an offer to lend.

Usual eligibility rules

Most U.S. online short-term lenders look for a similar starting set of criteria:
  • Be 18 or older
  • Live in the United States
  • Hold a personal U.S. bank account
  • Show a valid ID
Precise rules, APRs, and where products are offered differ by lender and by state. Always read the lender’s disclosures before entering any agreement.

Our comparison method

Listed products are ranked with open criteria: amount range, published daily rate, term, how quickly a decision is stated, and how clearly eligibility is explained. Longer reviews cover advantages, drawbacks, and risks. Partner links appear only as a text “Official site” link at the end of each review.

Use the comparison table and the calculator on this site to look through conditions. Details can change; confirm them on the lender’s official website.

  • LendYou
  • 50kloans
  • Viva Payday Loans

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