Ask for what you need, from $100 up to $5,000
A lender may offer less than you request. The amount, APR and schedule depend on the lender, your state and your details.
$100 to $5,000Every credit history welcome to ask
Begin your loan request
$100 to $5,000 ยท money as soon as the next business day, if approved
256-bit SSLNo fee to sendNo obligation
- Encrypted, private request
- Free to send
- A referral service, not a lender
- Money as soon as the next business day, if approved
Online personal loans of $100 to $5,000 for the stretch before payday
Fill in one short request. Lenders in our network read it, and you see every term before you agree.
The week before payday often looks like this
Short on cash before payday? Plenty of people are.
- The electric bill came early.
- Daycare is due Friday.
- The fridge stopped cooling.
- Overtime got cancelled this month.
- A crown the dentist says can't wait.
- You don't want to ask a friend again.
Does that sound like this week? An online cash advance request takes one short form. $100 to $5,000, with all credit types considered.
If approved, some lenders can fund as soon as the next business day.
Begin my requestThe steps
Request a cash advance online in a few minutes
Three simple steps. You sign nothing until you decide.
Choose an amount
Pick anything from $100 to $5,000, then answer a few questions about your income and bank. It takes a few minutes.
Lenders look it over
WalletLark is not a lender. We send your request to lenders and lending partners, and each one sets its own terms.
Check the offer, then decide
See the rate, fees and due dates first. Say yes only if it fits. If approved, money can arrive as soon as the next business day.
Before you send
Four things worth knowing first
Short and plain. A two-minute read before you fill in the form.
Lenders may check your credit
Sending a request is free. If you move ahead with a lender, it may run its own credit check under its own terms.
Payday loan or installment loan: what you might see
A payday loan is often repaid in one go on your next payday. An installment loan is paid back over several scheduled payments. Compare the total cost, not only the payment.
The cost: APR and fees
Short-term credit can be costly. APRs differ by lender and state and may exceed 200%. The lender lists the APR, fees and due dates before you sign.
Before you start
What lenders usually ask you to have
Every credit type is considered, including requests for emergency loans with less-than-perfect credit.
- Age 18 or older
- Living in the US
- Regular income
- An open checking account
- An email address you check
- A phone number you pick up
Having these doesn't mean you'll be approved. Not offered in every state.
Common questions
Clear answers, short version first
Does WalletLark lend money?
No. WalletLark is a free referral service and not a lender. We send your request to lenders and lending partners in our network. Any offer and its terms come from the lender.
How much can I ask for?
Anything from $100 to $5,000. Ask only for what you need. The amount, APR and repayment plan you're offered depend on the lender, your state and your details.
Can I send a request with a low credit score?
Yes. Lenders consider all credit types and also look at your income and bank account. Approval isn't guaranteed, and not every request finds a match.
Do lenders check my credit?
Sending a request does not commit you to anything. A lender may run its own credit check as part of considering your request.
When could I get the money?
If you're approved and you accept an offer, funds can arrive as soon as the next business day. The timing depends on the lender and your bank.
What should I have before I begin?
You need to be at least 18 and live in the US, with regular income, an open checking account, and an email address and phone number that work. Having these doesn't mean you'll be approved.
A lighter morning before payday
Read up, then send one short request.
$100 to $5,000. Free to check, and nothing to sign unless you decide to.
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