Short Term Loans Up To $1,200

When life throws you a curveball and you need a little extra to help out, and fast.
Short term loans are a great option to get you back on track. Apply today!

Don’t Cycle Into Debt with a Payday Loan

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 an Installment, Short Term Loan and a Payday Loan?

A short term 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 a short term 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 Loan at Last, 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 $1,200.

  • Step 2

    Get a prompt 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.*

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 installment 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 installment 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
    Installment 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, 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.


  • Prompt Decision
    Apply online for your installment loan from any device and receive a prompt 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.

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

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

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

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