Short Term Loans Up to $1,000

When life throws you a curveball and you need a little extra to help out, and fast.
Apply online for a short term loan to get you back on track.

Don’t Cycle Into Debt with a Payday Loan, Short Term Loans are a Great Alternative

If you need a quick loan and you don’t have the best credit, there are more options than the standard payday loan that most people think about first. We want to provide you an alternative that allows you to pay off your loan over a period of time.

So, let’s break this down for a minute…


What’s the difference between a Short Term Loan and a Payday Loan?

A short term loan, also known as an installment loan, is a predictable monthly repayment schedule for the loan amount with interest, while a payday loan is due IN FULL on your next payday with interest.

A payday loan can easily get you into a cycle of debt that you can’t get out of if you can’t pay it off in full.

Whether you choose an installment loan with Loan At Last or not, we want to make sure you are well informed.

The Short Term Loan Process

You’ll never have to worry about hidden fees, penalties or “unpleasant surprises” with LoanAtLast, now or EVER!

We promise to be fully transparent with you and walk you through the entire process. After all, we would love you to know that should you ever need us in the future, we are here for you.

Step 1

Apply easily online for a zero-obligation short term loan up to $1,000.

Step 2

Get a quick decision and sign all documents from any device.

Step 3

Enjoy your cash as soon as 1 business day for immediate use, once all documentation is verified. Refer to disclosures below.

Please note that we do not lend in every state. Please see our Availability and Rates page for more information.

This company is stellar! The professional and precise explanation of loan was impeccable. Truly worth paying back. My representative was amazingly thorough.

– Nicole

Top 5 Benefits of a Short Term Loan

  • No Penalty for Paying Back Early
    If you’re able to pay the short term loan balance back early, that’s great! You’re encouraged to pay back early with NO prepayment penalties. You can also make principal payments at any time, which will help you pay off your loan faster.


  • Loans Custom Tailored to Your Income
    We help set you up with a payment schedule designed with your income in mind. Each payment pays off a portion of the principal. This way, you know your monthly payments and the terms of your loan allowing you to budget properly.


  • Longer Time to Pay Your Loan
    Short term loans allow you more time to pay back your loan because with each payment a portion is applied to the amount borrowed.  There are never any hidden fees or surprises, such as a “balloon payment”.


  • Increased Borrowing Power
    As a percentage of your monthly income, short term installment loans typically allow you to borrow more than a payday loan.  When you have a sudden emergency like an unexpected car repair or a medical bill, an installment loan may be able to give you more money.


  • Quick Decision
    Apply online for your short term loan from any device and receive a quick decision. The terms of your loan can be reviewed online and your loan agreement can be signed electronically, all from the convenience of your desktop computer, table, or mobile phone.

It’s a quick and simple process where our decision is quick and there’s zero obligation.

This is my first time contacting Loan at Last. The representative was very professional and knowledgeable about the questions and concerns that I had. I would definitely recommend this company to everyone. It only took a few minutes for me to be approved, she took out the time to explain to me how I could pay it off early, which is what I want to do.

– Theresa

Our Lending Best Practices

Courtesy & Respect

Our team is dedicated to treating each customer with respect and courtesy.

Data Security Promise

Our security measures include physical, electronic and procedural safeguards.

Full Disclosure on Fees

LoanAtLast is committed to ensuring our customers clearly understand our rates and terms.

Right to Cancel

Cancel by 4pm central time of the next business day after the cash disbursement date.

add chat to your website