Instant Short-Term Loans

Fast cash when you need it most
Get quick access to money for emergency or necessary expenses with an instant short-term loan from Mountain America.

Quick cash that's so much better than a payday loan

At some point, almost everybody has a financial emergency that requires cash on hand. If this happens when funds aren’t readily available, consider a Mountain America instant short term loan. It is an affordable alternative to payday, cash advance and deferred deposit loans.


Benefits of an instant short-term loan

  • Instant decision and funding—Get the money you need deposited into your account within minutes of applying.
  • Affordable rate—Lock in a fixed interest rate of 28 percent (compare to most payday loans which range from 196–600 percent).**
  • Mobile application—Apply any time, day or night, from practically anywhere.
  • Quick, no-hassle process—It takes only about 10 minutes from start to finish.
  • Discreet—The application is handled electronically without the need to speak to a loan officer or agent.

Loan details

  • Loans between $350 and $1,000
  • 6-month term*
  • Fixed interest rate of 28%
  • $20 application fee

Get your money now

Simply log in to the app and follow these steps:

  • Tap Apply for a Loan on the main menu
  • Tap Instant Short-Term Loan

Don’t have the app? Download it now to get started. You may also contact your nearest branch, or call the Service Center at 1-800-748-4302.

Download the app and apply

* Loans subject to eligibility requirements. Annual Percentage Rate (APR) is 28% with a maximum term of 6 months. The minimum monthly payment for a loan with a 28% APR and a 6 month term is $180.54 for $1,000 borrowed. The monthly obligation will be determined by the amount borrowed. Membership required – based on eligibility.

**A typical 2-week payday loan with a $15 per $100 fee equates to an APR of almost 400%. —Consumer Financial Protection Bureau

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