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How Can I Get an Immediate Loan in the US?


If you are looking for an immediate loan in the US, you are probably in an urgent financial situation. When an emergency happens, time can be of the essence. Many lenders, both in-person and online, can offer loans fast to help during financial emergencies. Whether you’re facing hospital bills, emergency home or vehicle repairs, an immediate loan could help you. This guide covers how and where you can get an immediate loan, alongside how you can make this process quicker. 

Where Can I Find Quick Cash Loans?

Depending on where you live in the US, there are multiple avenues you can consider when wanting to borrow money fast. For instance, you can visit an in-store lender or you could opt for an online loan matchings service. While in-store lenders are still a thing, using online loan companies nowadays can offer you flexibility over location and will also guarantee you receive funds fast.

When submitting a loan request directly with a bank, it can take days or weeks to finalize your loan. And, if your request isn’t approved, you’re back at square one. In many cases, this is just not quick enough. With Kallyss, for example, you can also submit a form 100% online without leaving the house and get an instant response, saving you valuable time.

How Do I Get Same-Day Cash?

When using online loan services, like Kallyss, you can easily get a fast loan for any emergency. All you need to do is fill out an online loan request form, which takes no more than 5 minutes of your day. If accepted, you can then receive your loan within one hour! You can also choose the amount you are looking to borrow, from $100 to $35,000, and your repayment terms, and the loan matching service will do the rest. You can submit a form from anywhere in the US and get an instant on-screen decision.

How Can I Make The Process Faster?

When applying for an immediate loan online, there are some simple steps you can follow in order to speed up the process. With the nature of borrowing money fast, there is likely a reason you need it and following these tips below can ensure you receive your money quicker. Here are 5 tips to help you get approved fast for an immediate loan in the US:

1. Check If You Are Eligible

It may seem obvious, but many apply online for loans without checking if they are eligible beforehand. Loan matching services will often run a quick elgibility check to ensure that you are first eligible to borrow the loan, and secondly in the financial position to repay it.

Here’s the eligibility criteria set out by Kallyss, an established loan matching service. Generally, to apply for a loan you must:

  • Be a US citizen
  • Be over 18 years of age
  • Have a functioning and live checking account to receive any funds
  • Have a steady income of at least $800 per month ($9,600 per year)
  • Be able to afford the repayments
  • Not necessarily have good credit (Kallyss consider bad credit)

2. Provide Accurate Information

Another tip, which may seem obvious to you, is to provide accurate information. It is essential when wanting to borrow money online, and quickly, that you provide truthful information on your online loan request form. Make sure you accurately fill out and provide:

  • Your full name
  • Your date of birth
  • Employment details
  • How much you earn 
  • Contact details

You must tell the truth on your form. Regardless if you purposely miss some information to try and benefit your application, a legitimate payday lender will check your financial history and personal details. If you have lied on your application, it will severely delay your loan process. 

3. Don’t Apply for More than You Need

How much money you can borrow depends on your financial circumstances, income, affordability, and more. If you request a loan for more money than what you need (and more than you afford) you are more likely to be denied. For instance, if you need money for emergency car repairs, we recommend applying for exactly how much that will cost and no more. Lenders will not approve you for a loan that you cannot afford, and applying for a loan outside of your budget will only delay the process.

With Kallyss, for instance, we can help you find loans of between $100 and $35,000 in the USA. This means that whether you need a $100 loan, or if you need a $1000 loan today, we could find you the lender you need for the loan you require. Keep in mind that we will still check, no matter the amount you apply for, if you can afford to borrow and repay the loan. 

4. Stay Available to Respond

Once your loan request is sent, don’t go to the shops or to the gym – remain available to respond. You should be ready to reply quickly if a lender contacts you to provide follow-up information. Keep your bank details, ID, proof of employment, and personal information on hand so you are ready to provide anything you might need. This will ensure you get your loan in your account as soon as possible. 

5. Enquire During Working Hours

Although online loan requests can be made 24/7, we recommend inquiring during work hours for the fastest response times. Most loans are funded during standard working hours of 9 to 5. Whether you need to get a $500 today or $800 loan fast, borrowing online during working hours is one of the fastest ways to get the cash you need. If accepted, the loan could arrive in your account in as little as one hour.