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We commit to connecting you with an approved lender. We also made the process simple. No need to visit hundreds of websites and fill out numerous paperwork.

The Need for Speed

Our online service readily serves your need to connect with a lender. The process takes a few minutes. Fill out our secure online form and we send an encrypted copy to an authorized lender to approve. Once you submit your information, you will be redirected to the lender's website where you can review the terms of the loan, including details about all the applicable rates and fees. If you accept these terms, the lender will deposit money directly into your bank account as quickly as the next business day. Every inquiry received is handled with care and speed.

Your Loan, Your Business

We recognize a personal loan is a private matter. Reasons for needing money range from critical automobile maintenance, unexpected medical expenses, much needed family vacation, basic home improvements, etc. Whatever your reason, we respect your privacy. Thus, we work with lenders familiar with your situation and are ready to help.

Frequently asked questions

Most frequent questions and answers

To apply for a personal loan, each lender has its own set of conditions. Borrowers who are 18 or older, U.S. citizens or permanent residents with a valid Social Security number, have a stable income, and have a decent background history are usually the ones they are looking for.

Your debt-to-income ratio, or how much of your monthly income goes toward servicing recurring commitments like rent, car payments, or credit card bills, determines how much you can borrow with a personal loan.

Qualifying criterion is an employee, no military, not a resident of NY, has a checking account, and over 18 years old.

Each lender has its own process of assessing borrowers and deciding rates.

When it comes to finalizing your personal loan, you will need to be clear and honest on the submission form.

Always speak with the lender and carefully review the offer before accepting.

Personal loans can be used for almost anything.

You can use it for Debt Consolidation, Credit Card Refinancing, Career Development, Vacation, Home Improvement, Wedding Expenses, and more.


For example, assume you get a $5,000 personal loan with an APR of 7.5%. The loan has a repayment term of 12 months. Using those terms, your monthly payment would be $433.79 and the total interest paid over the life of the loan would be $799.90. Now assume you borrow the same amount but with different loan terms.

Fast Cash Loan up to $5,000

How It Works is not a lender and therefore does not make short-term loans or credit decisions. We are a loan connecting service where we connect consumers with independent third-party lenders.

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

You can register online using any computer or mobile device. The method is extremely fast because it takes place in real-time. If you are paired with a lender, you will receive an offer from that lender outlining the loan’s terms and conditions. If you accept the conditions (which you can do), the money will be in your account as soon as the next business day.

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

  • You must be at least 18 years old to participate.
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps, or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • Not a resident of NY.

Important Disclosures. Please Read Carefully.

Our lenders offer loans with an Annual Percentage Rate (APR) of 35.99% and below. For qualified consumers, the maximum APR (including the interest rates plus fees and other costs) is 35.99%. All loans are subject to the lender’s approval based on its own unique underwriting criteria.

Example: Loan Amount: $4,300.00, Annual Percentage Rate: 35.99%. Number of Monthly Payments: 30. Monthly Payment Amount: $219.36. Total Amount Payable: $6,581.78 Loans include a minimum repayment plan of 12 months and a maximum repayment plan of 30 months.

The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. Top Online Cash is not a lender and does not make loan or credit decisions. Top Online Cash connects interested persons with a lender from its network of approved lenders. Top Online Cash does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. Top Online Cash receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, Top Online Cash’s service is always free to you.

This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where Top Online Cash does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

By submitting your information via this website, you are authorizing Top Online Cash and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize Top Online Cash to share your information and credit history with a network of approved lenders and lending partners.

Lender’s Disclosure of Terms.

The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. Top Online Cash has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.

Personal loan offers provided to customers who originated via a paid Google or Bing advertisement feature rate quotes on TopSmartLoans maximum of 35.99% APR with terms minimum of 61 days to a maximum of 180 months. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lender. For additional loan options, please email us at An example of the total amount paid on a personal loan of $10,000 for a term of 36 months at a rate of 10% would be equivalent to $11,616.12 over the 36-month life of the loan.

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