Loans from $500–$5,000
Compare today cash loan offers in one request
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Send one free today cash request and lenders in our network can respond with personal loan offers from $500 to $5,000. You decide whether any offer fits before you sign.
4.8 · Average from 5,196 borrower ratingsTrusted by 64,000 borrowers
Free request form
Start your loan request
Takes about five minutes, costs nothing to use and carries no obligation. Choose an amount, share a few details and see whether a lender responds.
Who we are and what the request form does
We run a free online request form that connects US borrowers with independent lenders offering personal loans from $500 to $5,000. We are not a lender: we do not review credit, approve requests or fund loans. Our job is to pass your details to lenders that may fit.
About us →How we earn money and stay upfront about it
Lenders in our network pay us a marketing fee when they receive a request or when a loan is made, so the form costs you nothing. The lender alone sets the rate and terms you see, and our disclosure page explains this arrangement in plain words.
Advertiser disclosure →One form
Fill in a single request instead of repeating your details on several lender websites one at a time.
Many lenders
Your request can reach several lenders in the network, so you may see more than one option.
No fee
Using our service is free. Any fees or interest come only from a loan you choose to sign.
Secure connection
Your information travels over an encrypted connection and goes only to lenders and partners that need it.
Borrowing should feel clear, not rushed
Short-term money stress makes it easy to accept the first offer. We want you to see the full cost, compare calmly and say no when needed.
Clarity
Every estimate shows the term, monthly payment and total cost side by side.
Choice
You compare offers on your own schedule and accept only what fits.
Respect
No pressure calls from us and no fee for using the form.
Today Cash Apply
Free to use, no obligation, decisions made by lenders
What to expect
What a today cash loan request actually gets you
A today cash request through our form gives lenders what they need to decide whether to make an offer. Below is what that realistically looks like, from amounts and terms to timing, cost and how your data is handled.
Loan range
Lenders in the network consider personal loans from $500 to $5,000, so you can ask for close to what you actually need.
Typical terms
Most loans in this range run 6 to 36 months, and some lenders offer up to 60 months on larger amounts.
Realistic timing
Many lenders decide within minutes; if approved and you sign, funds often arrive the next business day, sometimes the same day.
No fee from us
We charge nothing for the request. A lender may charge interest or an origination fee, which it must disclose before you sign.
No obligation
Seeing an offer does not commit you to anything. You can decline every offer and walk away without paying us anything.
Secure data
Your details move over an encrypted connection, and our privacy policy explains who receives them and how you can opt out.
Payment estimates
Estimated monthly payments for common loan amounts
Pick an amount to see an estimated payment at a 27.99% example APR. Your real rate depends on the lender, your state and your credit, so treat each number as a starting point, not a quote.
- $500 · Car repair9 mo · $62.23/mo est.
- $1,000 · Medical bill12 mo · $96.50/mo est.
- $2,000 · Moving costs18 mo · $137.34/mo est.
- $2,500 · Card payoff24 mo · $137.21/mo est.
- $4,000 · Home repair24 mo · $219.53/mo est.
Estimate
$500
A $500 loan over 9 months comes to an estimated $62.23 a month, or $560.07 in total, which may cover a brake repair or a new battery.
Estimate
$1,000
A $1,000 loan over 12 months is an estimated $96.50 a month and $1,158.00 in total, a common size for an urgent medical or dental bill.
Estimate
$2,000
A $2,000 loan over 18 months works out to an estimated $137.34 a month, $2,472.12 in total, which may cover deposits and truck rental when moving.
Estimate
$2,500
A $2,500 loan over 24 months is an estimated $137.21 a month and $3,293.04 in total, a size some people use to pay down high-rate card balances.
Estimate
$4,000
A $4,000 loan over 24 months is an estimated $219.53 a month and $5,268.72 in total, which may cover a roof patch or a water heater replacement.
Loan types
Personal loan types lenders in the network offer
Requests through our form fall into four broad loan types. Each one is still a personal loan, usually with fixed monthly payments, but the purpose changes which amount and term tend to make sense.
Personal Loans
Flexible funds for nearly any legal purpose, from a surprise car repair to a family trip or new appliance.
Explore personal loans →Debt Consolidation Loans
Roll several high-rate balances into one fixed payment, which can lower total interest if the new APR is lower.
Explore debt consolidation loans →Rent & Utilities Loans
Cover a rent shortfall, a deposit or a seasonal power bill while keeping your account in good standing.
Explore rent & utilities loans →Installment Loans
Borrow a set amount and repay it in equal monthly payments over a term you agree to upfront.
Explore installment loans →Loan amounts
How much you can request and for how long
Personal loans through the network range from $500 to $5,000, and the amount you choose shapes the term lenders usually offer. Smaller amounts tend to run shorter terms; larger ones spread payments further. See estimated rates by credit range before you pick.
$500–$1,500
6–12 months typical
Suits a car repair or a utility bill that cannot wait. A $1,000 loan over 12 months runs about $96.50 a month at 27.99% APR.
See amount details →$1,500–$3,000
12–24 months typical
Popular for consolidating card balances or moving costs. A $2,500 loan over 24 months is an estimated $137.21 a month at 27.99% APR.
See amount details →$3,000–$5,000
24–36 months typical
Used for larger home repairs or paying off several debts. A $4,000 loan over 36 months is about $165.43 a month at 27.99% APR.
See amount details →How it works
How a today cash request moves from form to funds
Four steps take you from the request form to money in your bank account if a lender approves you, and only the first step happens on our site. Lenders handle every decision, document check and deposit after that.
- 1≈ 5 min
Submit request
Choose an amount, tell us how you plan to use it, and share your income, contact and bank details in one form.
- 2minutes
Get matched
Your request is passed to lenders in the network whose criteria may fit, and one or more may respond with an offer.
- 3varies
Review offer
Read the APR, term, monthly payment, fees and total cost on the lender's page. Decline anything that does not fit.
- 4often next business day
Funds from lender
If you accept and sign, the lender sends money by direct deposit, often the next business day, depending on your bank.
Times are estimates. Each lender sets its own review and funding schedule.
Basic requirements
Who can send a today cash request
Adults 18 or older (19 in AL and NE) with steady income, a US address and a bank account can send a request. Meeting these basics does not mean approval, since each lender also checks credit, income and state rules.
Lenders in our network typically look for…
Cost at a glance
What a personal loan may cost you
APRs across the network run about 8% to 35.99%, depending mostly on credit. For example, $1,000 over 18 months at 27.99% APR means $68.67 a month, $236.06 in interest and $1,236.06 repaid in total. These are estimates, not offers.
- Loan range$500 to $5,000
- Terms6 to 36 months typical
- Example APR27.99%, for estimates only
Borrower feedback
What borrowers say about the request process
Borrowers have rated the request process 4.8 out of 5 across 5,196 ratings. We do not write or edit reviews, and we publish new written feedback only after confirming it came from a real request.
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Compare options
How a today cash personal loan compares with other quick options
A personal loan through the network usually sits in the middle: larger amounts and longer terms than a cash advance or wage app, with faster decisions than many banks. Scores below run from 1 (weak) to 5 (strong).
| Option | Amount | Speed | Cost | Repayment |
|---|---|---|---|---|
| Personal loan through our network | ●●●●● | ●●●●● | ●●●●● | ●●●●● |
| Credit card cash advance | ●●●●● | ●●●●● | ●●●●● | ●●●●● |
| Buy now, pay later | ●●●●● | ●●●●● | ●●●●● | ●●●●● |
| Bank personal loan | ●●●●● | ●●●●● | ●●●●● | ●●●●● |
| Earned wage access app | ●●●●● | ●●●●● | ●●●●● | ●●●●● |
Rate factors
What shapes the rate on your offer
Four things move the APR a lender offers you more than anything else: your credit score, your debt-to-income ratio, the term you choose and any origination fee built into the loan.
| Credit range | Typical APR |
|---|---|
| Excellent (720-850) | about 8% to 16% |
| Good (690-719) | about 14% to 22% |
| Fair (630-689) | about 18% to 30% |
| Below 630 | about 25% to 35.99% |
What moves your APR within a range
Credit score
Scores of 720–850 see about 8% to 16% APR; below 630, about 25% to 35.99%.
Debt-to-income
Lenders compare monthly debt payments with income; a lower ratio usually means a better offer.
Term length
Longer terms cut payments but add interest: $1,000 costs $1,158.00 over 12 months, $1,236.06 over 18.
Origination fee
Some lenders deduct a one-time fee from your funds, so compare APR rather than interest rate.
Representative example
$68.67 /month
- Amount
- $1,000
- Term
- 18 months
- APR
- 27.99%
- Origination fee
- $0 (assumed)
- Payments
- 18 monthly
- Interest
- $236.06
- Total repaid
- $1,236.06
- Interest per $100 borrowed
- $23.61
Estimate only. Your offer depends on the lender, your credit and your state.
See how rates work →Why use our form
Why people use our form to compare personal loan offers
Searching lender by lender takes time you may not have when a bill is due. One request lets several lenders see your details, and nothing about using the form costs you money or locks you in.
One request, many lenders
Share your details once and let lenders in the network decide whether to respond, instead of repeating forms.
No fee to use
Our service is paid for by lenders, so you never pay us to submit a request or view offers.
No obligation to accept
An offer is only an offer. Close the page, ask questions or decline, and you owe nothing to anyone.
Compare before you sign
Line up APR, monthly payment, fees and total repayment for each offer, then choose the one that fits your budget.
Secure by design
Encrypted transmission protects every request, and we share your details only in the ways our privacy policy describes.
A real contact
Questions about the form reach a real team in Montpelier, Vermont, by phone at (888) 865-2332 or by email.
Repayment tips
How to repay a personal loan without strain
Repaying on time protects your credit and keeps the total cost close to the estimate you saw. A few simple habits, set up before the first due date, make that far easier.
Line up your due date
Ask the lender whether the due date can fall a day or two after your paycheck lands. Then set up automatic payments from that account, so a busy week never turns into a missed payment, a late fee and a mark on your credit report that can linger for years.
Build a small buffer
Keep a cushion equal to one monthly payment in your checking account while the loan is open. If your hours drop or a new expense appears, the buffer covers the next payment and buys time to call the lender about hardship options before anything is reported late.
Pay extra when you can
Before signing, confirm the loan has no prepayment penalty. Then put any windfall, such as a tax refund or overtime pay, toward the balance. Even one extra payment shortens the term and cuts the interest you pay, because interest is charged on a smaller balance from then on.
Disclosures
Please read these points before you send a request. They explain what our service is, what it is not, and the limits of every estimate on this page.
- We are not a lender and do not make credit decisions or loans.
- Rates, fees, terms and approval are set by each lender, not by us.
- Loan availability, amounts and terms vary by state.
- Sending a request does not mean you will be approved or receive an offer.
- Never pay an upfront fee to get a loan; report anyone who asks to the FTC.
Security
We protect the request form with standard safeguards and limit who can see your details. If anyone asks you to pay a fee to unlock a loan, stop and contact us.
- Encrypted HTTPS connection on every page and form
- Details shared only as our privacy policy describes
- We never ask for passwords or upfront payments
- Opt-out choices explained in our privacy policy
- Report calls, texts or emails that misuse our name
- Privacy requests and questions go to the contact page
When a today cash loan is not the right move
A loan is the wrong tool when the payment would squeeze next month's budget or a cheaper option exists. If you need cash today for a small gap, ask the biller for a payment plan first.
Run a simple test before you borrow: add the estimated monthly payment to your regular bills and see what is left after rent, food and transport. If a $2,500 loan at an estimated $137.21 a month leaves nothing for surprises, a smaller amount or a longer term may be safer, even though a longer term raises the total interest. A personal loan should solve one problem without creating the next one.
Cheaper routes often exist for smaller gaps. Utility companies commonly offer payment arrangements, many hospitals have financial assistance programs, and credit unions may offer small loans with lower rates to members. People searching for emergency money now also run into scammers posing as lenders who demand upfront fees or gift cards; legitimate lenders take any fees from the loan or build them into payments. When none of those routes fit, a today cash request through our form lets you compare offers without obligation.
Contact
Talk to a person about your request
Questions about the form, your data or a lender you were matched with? Call or email our team in Montpelier, Vermont. We can explain how the service works, though only the lender can discuss your offer or account.
Reviewed by the Today Cash Apply editorial team · Last updated
FAQ
Today cash questions, answered honestly
Quick answers to the questions people ask most before sending a today cash request, from credit checks and timing to what the form costs and what happens if no lender responds.
Can I really get cash today through your form?
Sometimes, but it depends on the lender and your bank. Many lenders return a decision within minutes of a completed request, and if you are approved and sign, funds often arrive by direct deposit as soon as the next business day, sometimes the same day. Finishing early on a weekday gives you the best chance.
Does sending a request hurt my credit score?
Filling out our form does not affect your score by itself. Many lenders start with a soft inquiry, which does not change your score, but a lender may run a hard inquiry before final approval. Each lender's disclosures explain which check it uses.
Can I send a today cash request with bad credit?
Yes. Lenders in the network consider applicants across credit ranges, though lower scores usually mean higher rates; below 630, APRs run about 25% to 35.99%. Compare the total cost carefully and borrow only what you can repay.
What do I need to have ready?
Have a government ID, your income details, your bank account and routing numbers, and a working phone and email. Lenders may ask for pay stubs or bank statements after you submit. The full list is on our eligibility requirements page.
What if no lender makes an offer?
You owe nothing and can try again later or look at other options. A smaller amount, a hardship plan with the company you owe or a small loan from a local credit union may work better.
Is a personal loan the right choice for an emergency?
It can be when you need more than a few hundred dollars and want fixed payments you can plan around. For a small gap, a payment plan with the biller or an earned wage access app may cost less. Run the numbers in our personal loan calculator first.
Free to use
Start a free today cash request
Choose an amount from $500 to $5,000, finish the form in about five minutes, and compare any offers you receive.