Cash Loans Near Me

Cash Loans Near Me

Are you facing an unplanned expense that needs to be dealt with right away? Maybe your tire just went flat, a pipe in your basement sprung a leak, or you had to take a unexpected trip to the hospital. Whatever your situation is, dealing with an emergency expense without the savings to handle it can be a stressful experience.

In these instances, having an emergency fund ready and waiting can be a lifesaver. But what happens when your savings are running on empty and you can’t afford to put off payments any longer? In these moments, your first instinct may be to hop online and Google, “cash loans near me”. But what are you likely to find? And what exactly is a quick cash loan? Let’s take a look at this and more to make sense of what comes up in your search for “quick cash loans near me”.

Quick Cash Loans Near Me

So, what is a quick cash loan exactly? The main purpose of these fast loans is to provide a borrowing option for people who need to take care of emergency expenses but don’t have the money on hand to do so.

What makes these loans “quick”? Well, when you’re applying for certain types of loans, the application process can sometimes last weeks. If you need financial help right away, a few weeks may be too long for you to wait. With a quick cash loan, the application process can sometimes take only minutes to complete, which can ultimately speed up the entire borrowing process. So, if you’re at the point where waiting any longer to deal with your emergency expense is only going to make matters worse, fast loans may be the right option for you.

Types of Cash Advance Loans Near Me

While you might be in need of fast funds, that doesn’t mean you should jump into the borrowing process headfirst and without having knowledge of what types of cash advance loans may be available to you. So, before you submit an application, start by educating yourself on potential options. Here are three common ones to get you started.



1. Installment Loans

If you’re looking for “money loans near me”, installment loans might be one of the first options that pops up. They’re a type of personal loan that you’ll receive in a lump sum, and then pay back over the course of several scheduled, equal payments. Depending on the financial institution you’re working with, you might be able to receive your funds as soon as the same business day, assuming you’re approved. The length of your repayment period will vary depending on things like the financial institution providing the loan and which type of installment loan you’ve applied for. You can use short-term installment loans when you need a quick cash advance to help you out in an emergency.



2. Payday Loans

Payday loans are similar to installment loans in that you receive your funds in a lump sum, if approved. One of the main differences with these quick cash loans is that instead of paying off your loan over a series of scheduled payments, you’ll need to pay back everything that you owe by your next pay date. Keep in mind that payday loans should only be used for short-term needs, and that if you’re not confident that you’ll be able to pay back what you owe in such a short amount of time, you shouldn’t apply for one.



3. Lines of Credit

Lines of credit work a little differently than payday and installment loans. Instead of receiving your funds in a lump sum, you’ll gain access to an open-ended form of revolving credit. If approved, you’ll be given a specific credit limit which you can borrow money from whenever you need, as long as you have available credit and your account is in good standing. Whereas an installment or payday loan will close once you’ve paid it off in full, a line of credit will typically remain open even once you’ve paid off your balance. On top of that, you’ll generally only be charged interest and/or fees on the specific amount of money you’ve borrowed, not on the total amount of your line of credit.

What to Expect When you Search for “Installment Loans Near Me”

If you search up, “installment loans near me” or any type of cash loan, you might run into two different options. The first would be storefront lenders in your geographic area. The second would be financial institutions that offer online loans to people who reside in your state. Let’s look at some of the key differences between the two.

Storefront Loan Places

With a storefront lender, you’ll need to travel to a physical store during their hours of operation and speak to an associate in person to start the borrowing process. If you’re looking for a face-to-face interaction and you don’t have any problem getting yourself down to a storefront during their business hours, this may be a good option for you. It also may be a good choice if you don’t feel like you’re technologically savvy enough to navigate the online borrowing process. Having said that, loan places that offer online loans generally focus on making their application process as simple and quick as possible.

Online Cash Advance Loans Near Me

With online loans, the entire borrowing process happens over the internet. This means you can compare the rates and terms of different online loans offered in your state, submit an application, get funded, and typically pay off your loan online. This makes the entire borrowing process fairly simple and you can also gear the application process around your schedule.

Benefits of Online Loans

So, what makes an online cash advance a good option for people facing an emergency expense without the funds to deal with it? Let’s take a look.

1. A Speedy Applications

The borrowing process for an in-person cash loan can sometimes be relatively lengthy, depending on the type of loan and lender. With cash loans online, you can breeze through the application process in only a few minutes. When you need money to help you handle an emergency, speed is of the essence!

2. Convenience

Like we mentioned, when you apply for a cash loan in person, you need to gear your schedule around going to a physical location during their business hours. When you apply for a loan online, you can start this process from the comfort of your own home, and with some financial institutions, you can apply any time of day and from wherever you can access the internet.

3. Loans for Bad Credit

If you have bad credit, you may have had a hard time getting approved for a loan in the past. When it comes to cash loans online, you may find the process of researching different options that work for you easier. This can help you find a loan that’s ideally suited to your particular needs.

Through MoneyKey, you may be able to get approved for quick cash loans online in the form of installment loans and lines of credit. We also service Lines of Credit offered by CC Flow, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC. These online loans range from $200 to $3,500 and are fast and easy to apply for!

Benefits of Online Cash Loans Through MoneyKey


Simple Application

  • Fast online application can be completed in just a few minutes.
  • Experience the convenience of an online borrowing option.
  • Apply for a cash loan wherever you have internet access.

Fast and Easy Approval

  • Get verified and approved in just minutes by our Customer Care team.
  • Our Customer Care agents are friendly and helpful.
  • We’re here for you 7 days a week to guide you through any part of the application process.

Quick Funds for Emergencies*

  • Facing an emergency expense? Get fast funds when you need them.
  • If approved, you may get your funds as soon as the same business day*.
  • A fast and simple way to get the cash you need, when you need it.



Can I Get Short-Term Loans Near Me Through MoneyKey?

If you’re in need of a cash loan near you, MoneyKey may be able to help! You can apply for both Installment Loans and Lines of Credit online through MoneyKey. We are a direct online lender in Delaware, Idaho, Kansas, Mississippi, Missouri, New Mexico, Tennessee, Utah and Wisconsin. In Texas, we arrange loans as a Credit Access Business and a Credit Services Organization.

MoneyKey also services Lines of Credit offered by CC Flow. CC Flow is a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC.

MoneyKey will be your single point of contact for all questions and concerns with respect to loan products offered through the MoneyKey website.

Check out the Rates and Terms page to learn more about the loan product available in your state of residence.

When Will I Get Funded?

If you apply for an online loan through MoneyKey and are approved, you may receive your funds as soon as the same business day*.

All funding cut-off times are subject to change. The date and time funds are made available to you by your bank are subject to your bank’s policies. If you require any assistance or for more information, contact Customer Care at 1-866-255-1668.

What are the Requirements for a Short-Term Loan Through MoneyKey?

If you search up, “money loans near me”, the requirements for the different loans you find may vary between financial institutions. Having said that, there may be some overlap. Our main goal at MoneyKey is to make the application process as fast and simple as possible. You can complete your application online in just a few short minutes.

To qualify for a Loan or Line of Credit through MoneyKey, you must:

  • Be of legal age to contract in your state of residence
  • Be a US citizen or permanent resident
  • Be a resident in the state where the product is offered
  • Have an active bank account
  • Have a regular source of income
  • Have a valid contact number and an active email address

Please note that currently, no credit products offered through MoneyKey have rates that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.

What Our Customers Have to Say About MoneyKey:

Can I Find Fast Loans Near Me with Bad Credit?

One of the main purposes of your credit score is to give financial institutions a better idea of what type of borrower you’ve been in the past to help them decide whether or not to approve your loan application. Not only can it impact your approval, but it can also affect the rates of the loans you’re approved for. Although that won’t always be the case. In some instances, your credit score may impact the total amount you’re approved for, while the loan rates remain static. Depending on what you’re looking for, bad credit can seemingly hold you back from getting the loan you need.

Depending on what type of loan you’re applying for, with some types of loans, such as online loans, bad credit may not be as big of a hinderance. This is because with certain types of personal loans, some financial institutions that service or offer cash loans may focus more on certain other features when trying to assess your creditworthiness. They generally pay more attention to things like your employment status, your income, and certain other factors. So, if your credit history has been holding you back and you need some financial help to deal with an emergency, you may still be able to find the help you need with an online loan.

What Makes a Payday or Installment Loan Different from a Line of Credit?

A line of credit is a type of revolving credit. This means that you’ll generally be able to withdraw funds from a line of credit whenever you need to, up to your available credit limit. When it comes to Lines of Credit offered through MoneyKey, you’ll only be charged on the amount of credit you use. If you have an outstanding balance, you’ll be required to make Minimum Payments to keep your Line of Credit account in good standing.

A payday loan is a short-term loan that you’ll be required to pay back in full on your next pay date. Depending on the type, an installment loan can sometimes also be a short-term loan, with repayment required in installments over time.

Why Choose a Personal Loan Through MoneyKey?

MoneyKey has served more than 400,000 customers since 2011. There are several benefits in choosing personal loans for bad credit that are offered through our website:

  • Our exceptional Customer Care representatives are available by phone, email or online chat.
  • Our Customer Care team is here for you 7 days a week, including most holidays.
  • You can apply for a loan and access your account from wherever you get internet.
  • We protect your personal information in accordance with industry standards.

We encourage you to use our products and services responsibly.

Where Can I Find More Information on Fast Loans Near Me?

If you want more information on personal loans online, you can visit our Articles section and Blog page. There you’ll find information on different types of loans, how and when to apply for them, and different aspects of the borrowing process. You’ll also find helpful tips on budgeting and personal finance.

Consider an Online Loan Through MoneyKey

Dealing with emergency expenses can be stressful, especially when you’re living on a tight budget and don’t have the savings to deal with them. While we recommend putting together an emergency fund, it can take a while to contribute a substantial amount to this type of savings account. If you’re in a tough spot financially, you still may be able to find the funds you need to get you through your emergency.

A quick cash loan through MoneyKey may be able to help! But before you submit an application, make sure to approach the borrowing process carefully, ensure that you’ll be able to pay back what you owe, and find a loan product that’s geared towards your needs.

If you’d like to learn more about online loans and the loans offered through MoneyKey, take a look here for more information!

We’ve helped over 400,000+ customers.Let us help you!

Not all applications are approved; duration of approval process may vary. Credit limits/loan amounts are subject to further verification criteria. If you are a returning customer, loan amounts may vary.

*If approved, any requested funds may typically be deposited into your bank account the same business day; timing of funding may vary by product and state. The date and time funds are made available to you by your bank are subject to your bank's policies. For specific funding cut-off times, click here.

**You may request a draw from your Line of Credit at any time, so long as you have available credit and your account is in good standing. In the State of South Carolina, you can withdraw the total credit available to you all at once, or in smaller amounts over time as you need it, with a required minimum draw of $610.

As you move through your credit journey, your account may become eligible for reduced charges and/or increased credit limits/loan amounts based on good payment history over time. You will receive notices, as applicable, regarding your individual circumstances and eligibility.

Depending on your state of residence, applications submitted on this website may be originated by one of several lenders, including: CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. The CC Flow Line of Credit is provided by CC Flow. Additionally, CC Flow maintains critical control over loan origination, underwriting approvals, and regulatory and compliance oversight management. MoneyKey is an authorized servicer of CC Flow. This means the CC Flow Line of Credit is available through MoneyKey and you will maintain your CC Flow Line of Credit account through MoneyKey.

Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page.

MoneyKey – TX, Inc. is licensed as a Credit Access Business (CAB), License No. 16641-62815, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20110150, by the State of Texas. All loans for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey. In the State of California, MoneyKey – CA, Inc. is licensed by the Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law License No.1004516.

Reviews and any ratings referenced are based on Trustpilot reviews. Images are for illustrative purposes only. Reviews reflect individuals’ opinions and may not be illustrative of all individual experiences with MoneyKey.