Get Cash in Minutes!

Apply for an online loan, get approved, and get a deposit in minutes!

Checking how much you qualify for
will NOT affect your credit score.*

Get Cash in Minutes!

Apply for an online loan, get approved, and get a deposit in minutes!

Get Cash in Minutes!

Apply for an online loan, get approved, and get a deposit in minutes!

Checking how much you qualify for, will NOT affect your credit score.*

Vetted by Experts. Trusted by Thousands.

We know how stressful money can be, and it’s hard to know who you can trust. View our accreditations, read our FAQ’s, and learn more about us to put your mind at ease. You’re secure. 97% of our loans are approved!

97% Approval Rate

We craft our loans around you, not your credit score.

Whether online, on the phone, or in-store*, we provide a seamless experience so you can apply for a same-day loan, get approved, and get cash in minutes.

We’ve been a leader in solving short-term cash crunches for over 25 years. When the majority of Americans don’t have $500 to cover an emergency³, we are here to provide a better solution than payday loans

How it Works:

Getting quick loans and borrowing money instantly at Minute Loan Center is fast and stress-free, whether you apply online² or in-store. If your bank does not accept the Minute Money transaction, we’ll provide a FREE ACH transfer¹.


Fast Application

Our easy form takes only a minute or two – no credit hit, no headaches.

Quick Approval

Receive your online loan approval in minutes.

Instant Funding

Same-day loans just got faster. Get your deposit in seconds.

²Online applications processed before 10:30 AM ET (Monday-Friday) may be eligible for same-day funding to your bank account. Online applications processed between 10:30 AM ET and 8:00 PM ET are typically funded the next banking day, but exceptions may apply. If we are unable to verify your application electronically, we may ask you to provide certain documents before final approval.

Get Started!

Choose Minute Loan Center today and take control of your financial freedom! With our 97% approval rate and easy applications, you’re just minutes away from getting your online loan.

If you need help, please feel free to reach out for assistance. We’ve got your back.

Be a Minute Loan Center VIP

We believe you’re more than your credit score.

Clear rates and fees

Clear Rates & Fees

Online loans don’t have to be predatory. Crystal clear with no hidden charges, our mission is to make sure you are treated the way we would want to be treated.

24 hour no risk guarantee

24-hour No-Risk Guarantee

Return your quick loan within 24 hours and you owe nothing.

Perfect credit not needed

Bad Credit, No Problem

Life happens. Don’t worry if your credit isn’t perfect, we’ll treat you with respect and work hard to earn your business.

Bank level security

Bank-Level Security

More flexible than the bank and just as secure. Your privacy matters to us–our bank-level security protocols make sure you’re protected at all times.

Why Minute Loan Center?

We’ve been a leader in solving short-term cash crunches for over 25 years.

When the majority of Americans don’t have $500 to cover an emergency³, we are there to provide a better solution than PayDay Loans.

We can service you, your way!


Online Devices

Whether online, on the phone or in-store*, we provide more easy ways to apply, get funded and service your account. We are always innovating new ways to make life easier for you.

*Retail locations with complete online servicing available in Delaware, Nevada and Utah. Online servicing available in Mississippi, Missouri and South Carolina, with our fully caffeinated service team available from 9 am EST to 10 pm EST Mon-Fri and 9 am to 8 pm EST on Saturday.

Online Lenders Alliance

We are an active member of the OLA (Online Lenders Association). A trade association that requires all members to maintain their code of conduct and best practices. More info on OLA…

Safe & Sanitized Environment
We provide best-in-class online loan and funding opportunities, so you can apply and manage your account wherever you are.
Want to visit? Our retail locations follow Center for Disease Control guidelines to provide a safe & sanitized environment.   Learn more…

3) Picchi, Aimee. “A $500 Surprise Expense Would Put Most Americans into Debt.” CBS News, CBS Interactive, 12 Jan. 2017,

Minute Loan Center VIPs can:

MLC Coupons logo

SAVE more

MLC Coupons give you access to thousands of offers from major merchants and local stores, in-store and online.
MLC Refer a friend logo

EARN more

MLC Refer-A-Friend helps you earn money with your same-day loans by referring friends and family.

GET more

Level Up Rewards allows you to earn points that you can redeem for a variety of cool things.

Best of all, you do not need to request or have a loan in order to have access to these VIP services, just register on our website or our APP today!

Who We Serve

Most Americans need better access to credit.

Whether You’re:

  • Fully Employed
  • In-between work
  • A business owner
  • Managing a monthly household budget

We can help you get $$$ in minutes!

See Our Different Types of Loans

Installment Loans

An Installment Loan:

  1. Allows for larger potential credit limits than other types of short-term loans such as payday loans.
  2. Grants more time to pay down the loan.
  3. Every payment pays down part of the amount borrowed, so you are always paying down your quick loan with each and every payment.
  4. Always know how much you owe, how many payments are due, and how much each payment will cost.

A More Flexible Option: The Minute Loan Center Line of Credit

A line of credit is more flexible than online installment loans, payday loans, or title loans.

  1. Apply once, and use the funds when you need them.
  2. Generally offers larger credit amounts and lower payments.

A line of credit lets you apply once and access as much of your credit limit as you need, whenever you need it.

Currently available in Delaware & Utah.

How Do I Choose?

If you are in a state with both products available, it’s natural to wonder: How do I choose between an installment loan and a line of credit?

Installment Loan

  • 1) You have a short-term need for a quick loan.
  • 2) You know exactly how much you need to borrow.

Line of Credit

  • 1) You want to have access to funds, but do not know how much you need.
  • 2) You want the comfort of knowing you have access to funds for an emergency without needing to apply for a same-day loan each time.

What about payday loans vs. online installment loans?

Payday loans can seem like a good option in a short-term cash crunch. But there are alternatives.

When faced with a short-term emergency, many people turn to payday loans. Payday loans, however, are generally limited to smaller amounts and must be paid off on your next payday. If you cannot make the payment, many lenders have you pay the fees on your loan and issue you a new one to pay the previous one, and so on. 

This creates two significant challenges:

  • 1) You may not be able to find a payday loan to borrow as much as you need.
  • 2) The balloon payments mean you can end up paying for a loan that you aren’t paying down.

Our online loans and Line of Credit services solve these problems by providing more time to pay, options to borrow larger amounts, no balloon payments, and no penalty for paying early.

How much can I borrow?

How much you can borrow with a same-day loan and how much it costs are determined by factors including state regulation, your ability to pay, and other underwriting features. For many, an installment loan provides a better credit solution than a traditional payday loan.

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