$100 to $5,000 · all credit types considered
Request a cash advance
$100 to $5,000 · funds as soon as the next business day, if approved
Secure SSL · soft inquiry · free to use
- Free referral service
- Won't affect your credit score to check
- One short form
- No obligation to accept
Cash advance online, $100 to $5,000, for the week the money runs low
Send one request and lenders in our network can review it. Nothing is final until you accept.
How it works
Short form, real lenders, your decision.
- 1
Send your request
About five minutes on a phone.
- 2
Lenders review
Lenders in our network decide whether to offer a loan.
- 3
You choose
Read every term. If approved and you accept, funds can arrive as soon as the next business day.
The low-water week
- Groceries before Friday's paycheck.
- A late fee you'd rather avoid.
- The car insurance renewal.
- Work boots that gave out.
- A bill that doubled.
If one of these is this week, a free request can show what lenders may offer.
OtterYield is
- A free referral service
- A way to check options without affecting your credit score
- Your choice to accept or not
OtterYield is not
- A lender
- A guarantee of approval
- Ever going to charge you to ask
Good questions
Is OtterYield a lender?
No. OtterYield is a free referral service. We pass your request to lenders in our network, and they make every credit decision and set their own terms. You never have to accept an offer.
Will checking my options affect my credit score?
No. Checking your options uses a soft inquiry, which doesn't affect your credit score. Lenders may verify your details and check your credit, including with alternative credit bureaus, as part of reviewing your request.
How much can I request?
Anything from $100 to $5,000. The amount a lender offers depends on its own review and your state's rules, so it can be lower than what you asked for.
How soon could the money arrive?
If a lender approves you and you accept, funds can arrive as soon as the next business day. Timing depends on the lender and your bank.
Can I send a request with bad credit?
Yes. All credit types are considered and many lenders look at income as well as your score. Approval isn't guaranteed, and your credit can affect the terms you're offered.
What will it cost?
That depends on the lender, the amount and your state. Short-term loans can be expensive. The lender shows you the APR, fees and repayment dates before you sign, and you can say no.