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Compare lenders in the independent ranking

Review terms, pros and cons

Review terms, pros, cons and risks

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credits Top online loan ranking

Independent comparison of payday and short-term loans in the USA

Rating

10.0

Loan term

93+days

Amount

100–5000USD

%

0.06%per day

Decision time

5minutes

Disbursement

Rating

9.9

Loan term

93+days

Amount

500–50,000USD

%

0.06%per day

Decision time

5minutes

Disbursement

Rating

9.8

Loan term

93+days

Amount

100–5000USD

%

0.06%per day

Decision time

2minutes

Disbursement

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CrediHelp publishes an independent ranking of online payday and short-term loans available in the United States. We compare stated amounts, rates, terms, requirements and decision speed so you can review conditions side by side. We do not issue loans, process applications, or sell credit products.

What is a microloan

A microloan or payday-style online loan is a short-term consumer credit product, usually for a relatively small amount. Lenders disclose amount limits, interest or fees, repayment term, and eligibility rules. Our pages summarize those public terms for comparison — not as an offer to lend.

Typical requirements

Most U.S. online short-term lenders ask for a similar baseline:
  • Be at least 18 years old
  • Be a U.S. resident
  • Have a personal bank account in the United States
  • Provide a valid ID
Exact rules, APRs, and availability differ by lender and state. Always read the lender’s disclosures before any agreement.

How we compare

We rank listed products using transparent criteria: amount range, stated daily rate, term, decision speed, and clarity of requirements. Detailed reviews cover pros, cons, and risks. Partner links appear only as a text “Official site” link at the bottom of each review.

Use the comparison table and calculator on this site to explore conditions. Information may change; verify details on the lender’s official website.

  • LendYou
  • 50kloans
  • Viva Payday Loans

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