What are short term loans?

Short term loans are installment cash loans designed to be repaid over a shorter period, typically 3 to 36 months. These loans provide quick access to funds ranging from $100 to $5,000 with flexible payment terms.

How fast can I get installment cash?

Once approved for installment cash, you can receive funds as fast as the next business day. Our streamlined online application process takes just minutes to complete.

What is the difference between short term loans and installment cash?

Short term loans and installment cash are similar - both offer quick funding with fixed monthly payments. Installment cash typically refers to personal loans paid back in regular installments over 3-36 months with predictable payment schedules.

Terms of Service

Last Updated: February 17, 2026

1. Acceptance of Terms

By accessing or using LoansLucre ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

LoansLucre is a loan marketplace that connects borrowers with potential lenders. We are NOT a lender and do not make loan or credit decisions. Our role is to facilitate the connection between you and lending partners in our network.

3. Eligibility

To use our Service, you must:

Be at least 18 years of age
Be a U.S. citizen or permanent resident
Have a valid email address
Have an active bank account
Provide accurate and truthful information

4. User Responsibilities

When using our Service, you agree to:

Provide accurate, current, and complete information
Not use the Service for any illegal purpose
Not impersonate any person or entity
Not interfere with the proper functioning of the Service
Not attempt to gain unauthorized access to our systems

5. Loan Terms

Any loan offer you receive comes directly from the lending partner, not LoansLucre. The terms, conditions, interest rates, and fees are set by the individual lender. You should carefully review all loan terms before accepting any offer.

6. APR and Rate Information

APR ranges from 5.99% to 35.99% depending on the lender, loan amount, term, and your creditworthiness. Loan amounts typically range from $100 to $50,000 with terms from 3 to 60 months. Representative Example: A $5,000 loan over 48 months at 18.23% APR would have monthly payments of $131.67.

7. Credit Checks

Lenders may perform credit checks using major credit bureaus (Experian, Equifax, TransUnion) or alternative credit data providers. By submitting a request, you authorize these credit inquiries.

8. No Guarantee

Submitting information through our Service does not guarantee:

Loan approval
Specific loan amounts
Specific interest rates
Connection with a lender

9. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of LoansLucre and is protected by copyright and trademark laws.

10. Disclaimer of Warranties

The Service is provided "as is" without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or secure.

11. Limitation of Liability

LoansLucre shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

12. Indemnification

You agree to indemnify and hold harmless LoansLucre from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

13. State Restrictions

Our Service is not available in all states. We do not provide services in: Arkansas, Connecticut, New Hampshire, New York, Montana, South Dakota, Vermont, West Virginia, Indiana, and Minnesota.

14. Modifications

We reserve the right to modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the new Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States.

16. Contact Information

For questions about these Terms, contact us at:

Email: support@loanslucre.com