Short Term Loans
with Funding Zest
$100 to $35,000 For A Couple Months

A short term loan is waiting for you at Funding Zest from $100 up to $35,000. Use our super simple online application and see your instant decision pop up onscreen. Your money could be in your bank on the same day. Try for Free!

Today Is The Day to Arrange Your Short Term Loan with Funding Zest

Funding Zest knows short term loans so we designed a fast and simplified application process to get you swift approvals, favorable terms, and quick funding. That’s how we roll!

payday loans online


Which type of loan is right for you? Payday, emergency, or installments. Funding Zest has them all.

quick cash loans

Apply Online

Use Funding Zest’s 100% online application for a simple, speedy instant decision.


Money in the Bank

If your application is approved your lender will send funds to your bank within one working day!

Why Apply for My Short Term Loans with Funding Zest and Not a Store?


Funding Zest is 100% online which makes our application quick and simple so it only takes minutes to get an instant onscreen decision. Funding Zest automatically sends your application to multiple lenders at once so it all happens quite fast. But, if you went to a payday loan store (and some states have lots and lots of them) you could stand in line and wait to get your answer back, possibly getting turned down. Then you move on to the next store.

Direct to Lender

You could go directly to lenders to find your short term loan but this can take a lot more time. Particularly if you’re turned down. Then you’d have to go to the next lender then on and on. 

Brokers Save You Time

If you need a short term loan in a hurry – a broker, like Funding Zest, can help. We connect you with one of our highly qualified and fully vetted lenders on the same day. 

Sometimes, just a small infusion of cash can help you put out fires when emergencies pop up. When that’s the case, short term loans are often your best bet. Short term loans give you a lump sum of capital you repay in a month or up to 60 months with fixed regular payments. 

Start Your Loan Application

Click on one of our ‘Apply Now’ buttons and tell us what you need so we can connect you with the right provider that is local to you. Our process is so quick and simple we handle your loan request efficiently and swiftly with our online loans.

So What Exactly is a Short Term Loan?


A ‘short term’ loan lets you borrow between $100 and $35,000 for a limited period of time. The money lands in your bank account in one lump sum. Often, you pay these back in a couple of months.

With Funding Zest, we offer loans you pay back from five years down to one month. You agree to your repayment date and equal monthly installments with your lender before you sign the loan contract. 


Why Would I Need a Short Term Loan?


Life throws us financial surprises from time to time – like your car breaks down, your roof needs repairing or you need to pay a medical bill. So, you need cash… FAST.

We’ve designed our short term loans to help you get through a tough financial situation. But, we can also help you with a large expense, like starting a new business, buying a car (new or used), or consolidating debt. Some of our borrowers take a loan to start a new adventure, like getting married!

short term loan

How Fast Do I Get My Short Term Loan Money?


Your loan money could be put in your bank in one lump sum on the day you apply. This way you can make the purchases that you need or pay off any debt. After that, you simply pay back a portion each month in equal installments. Your lender collects the money each month on the same day. You agree on this ahead of time. Many lenders and borrowers agree that the repayment date starts on the last day of the month. Or, it could be the date of your next paycheck.

Same Day Loan

Am I Eligible for a Short Term Loan with Funding Zest?


For a Funding Zest short term loan, you must meet these basic criteria. Check them to see if you qualify to apply for a short term loan.

If this is you, then you can apply today!

You must:

  • Have a steady job.
  • Be older than 18 
  • Live in the United States full time
  • Earn at least $800 per month 
  • Have a  bank account for your money to be paid into
  • Show that you can repay the loans

What Types of Short Term Loans Are There?

If you’re in business, you may automatically think of short-term business loans. These help small business owners get the money they need to cover emergency expenses, help their cash flow, buy products they need for business, or jump on new business opportunities.

In this case, we’re talking about personal short term loans. Here are several examples of personal short term loans: unsecured, payday, and installment loans. All are considered short term loans because they are for a short term purpose. They’re not designed to be used over a long period of time like a mortgage for example that would be for 25 years.

With Funding Zest, our wide range of short term lending partners offer you the best options all within the United States. These partners include stores, apps, and local lenders. We want you to have a large choice. We also want to pair you with a lender that’s best suited for your situation and what you’re trying to achieve with these funds.

short term loan online

Does Funding Zest Work With Bad Credit Borrowers Like Me?

Yes. You will find that many lenders specialize in lending only to those with a good credit rating. At Funding Zest, we do help borrowers receive short term loans even with poor credit. Our lenders will consider all kinds of credit histories and credit scores. Check your credit score at no charge

Funding Zest lends to borrowers with bad credit, because emergencies happen. We understand that things happen and not everyone is going to have a perfect track record in their history of credit. 

At Funding Zest, we look at how committed you are to paying your loan back every month and at the right time. If you can show that you are committed to the goals set out in terms of repayment then we have lenders ready to give you a short term loan right now.

FAQs | Frequently Asked Questions

Funding Zest Short Term Loans and More

If you have a bad credit score, don’t worry – you can still get a payday loan!

With Funding Zest, all credit histories are accepted. This means that you should still request a payday loan with us even if you have already been turned down by a bank because of bad credit.

With Funding Zest, you could find payday loans ranging from $100 to $35,000 – with the amount you can borrow based on factors like your monthly income, credit status and affordability.

Other things come into play too, including your residence (homeowners are often preferred), age, and whether you have any other similar loans open too.

Customers can repay over 1 month to 60 months (or equal to 5 years) – this will depend on whether you prefer the payday option which may be just a few weeks or months, or the longer installment option which can be several years to stretch out your repayments.

Payments are usually made in equal monthly installments from the bank account you choose and you always have the option to repay early if you would like to do so.

No! We will never charge fees for using our service.

Instead, we take a fee or commission from the lender if your application is approved and successful. The lenders will charge a daily or monthly interest if your loan is active and this will be presented to you in writing before you proceed.

Funding Zest will consider those looking for no credit check loans, but note that a credit check is usually carried out for all customers.

Yes! Funding Zest is a broker, meaning that if you’re approved, we don’t provide the funds for your loan directly. Instead, we connect you to a lender best suited to your situation from our trusted panel.

Do not worry though, your information is completely secure and will not be sent or shared with any other companies or third parties and we certainly will not charge you anything for using our service.