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Short-Term Loans

CreditCube provides short-term loans which involve a small sum of money that is borrowed fast and paid back over a short period of time (usually a few months or less). Read below about the types of short-term loans and their differences.

If you encounter some difficulties in your personal life that require some extra cash and your monthly income can’t cover it, then short-term loans can be considered as they are created for these types of needs.


Because they need to be repaid fast, the amount of money you can borrow is influenced by it, therefore, the usual sum you can borrow as a short-term loan ranges from $100 to around $5,000. In the past few years, thanks to the fast-paced advancement of technology, more online lenders appeared on the market offering fast approval short-term loans.

Advantages of Short-Term Loans From a Direct Lender

  • Forget about all the fuss banks and credit unions put you through. If you want a short-term loan for an emergency, everything is done today via an online platform;
  • Short-term loans have become easier to obtain, as they don't necessarily rely on your credit score, but rather on your ability to repay and other factors such as the presence of a secure monthly income;
  • Filling out the application takes only a few minutes and the approval outcome can come just a few minutes after. More than that, if you do get approved, some online lenders disburse the money as soon as the next day;
  • You can repay them back in a short time (a few months up to maximum one year) according to an agreed upon time schedule that meets your needs. In other words, you get them fast and you also repay them fast with flexible monthly fixed payments;
  • At Credit Cube, in case you want to make any pre-payments, there will be no penalties!

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3 Main Types of Short-Term Loans

Installment loans are taking over the market as they are the most flexible from the short-term loans list. The principal and interest rate are paid in a few fixed installments over short period of time according to a timetable settled by you and the lender. The flexibility consists in the possibility of making a few adjustments and make pre-payments. At Credit Cube, we actually encourage you to make pre-payments and finish off your loan faster. For more details about the rewards you can get, check our Loyalty Program.


Payday loans are also popular but more and more people are starting to avoid them because of the high interest rates and low flexibility. The lenders calculate payday loan fees in two ways: as a set amount per $1 borrowed (for example, $15 for every $100 borrowed) or as a percentage of the amount you borrow, like 10%. Their repayment cycle can be tricky and sometimes you might end up paying them back for months for much larger amounts.


Overdraft loans are made between you and your bank. They allow you to overdrawn or borrow a certain sum of money from your account that needs to be paid back over a short period of time. They carry different interest rates and fees. In some cases, banks charge a monthly or a daily usage fee, which may be instead of interest or in addition to interest.

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Applying does NOT affect your FICO® Score!

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Apply for a loan NOW!

Applying does NOT affect your FICO® Score!


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CreditCube is a Tribal enterprise, wholly owned and operated by the Big Valley Band of Pomo Indians, a federally-recognized American Indian tribe and sovereign government. Any Agreement entered into as a result of this Application shall be governed by applicable Tribal and federal law. Each aspect of communication and transaction with/on this site will be deemed to have occurred in CreditCube’s Big Valley Band of Pomo Indian Reservation offices, regardless of the location where you are accessing or viewing this site.

⚠ Please note: This is an expensive form of borrowing. CreditCube loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long-term financial solution! Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses.

* Loan approvals are subject to underwriting. Approval may take longer if additional verification documents are requested. Not all loan requests are approved. CreditCube reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a Loan. We verify applicant information through national databases including, but not limited to, Clarity Services, Inc., a credit reporting agency, and we may pull your credit in order to determine your eligibility and ability to repay.

** Maximum loan amount is $500 for first-time customers. For returning CreditCube customers, rates may go down over time based on your CreditCube Loyalty Program status and your payment history with us. Please see our Loyalty Program page for more information.

*** Loan Applications processed and approved before 3pm EST Monday-Friday are typically funded on the next business day. Example: If your loan is processed and approved on Friday before 3pm EST, the loan will typically be funded on the following Monday. Deposit times may vary depending on your bank. Business Day means Monday through Friday excluding all federal banking holidays.

CreditCube does not lend to residents of Pennsylvania, Connecticut, Minnesota, New York, Vermont, Virginia, West Virginia and Georgia. Availability of installment loans in your state is subject to change at any time with or without notice at the sole discretion of CreditCube.

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