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Small cash loans are designed to help you in the short term when your income is insufficient. At Nation 21, the lenders in our network lend this type of cash loan online under varying terms and conditions. The maximum and minimum amount you can borrow, for instance, differs from one lender to another.

Applying does NOT affect

your FICO® credit score!

Understanding the need for urgency during emergencies, Nation 21 will save you the trouble of having to look for individual lenders whose details you barely know. We will sift through our platform and match you with lenders whose terms are most compatible with your loan application. Create a personal profile on our site today and get linked to reputable lenders in a few minutes.

Why apply for a small cash loan?

If you are like most employed people, you probably have your personal budget of bills and expenses that you take care of immediately after you have been paid. Unfortunately for most employed Americans, the salary is just enough to take care of the recurrent expenditure and there is nothing much left to save. As a result, if an unexpected expense comes up midmonth, you do not have the money to take payment for the emergency.

Some of these unexpected expenses can wait till payday. Others, however, are emergencies and require more urgent attention. Delaying such needs as medical emergencies, payment of school fees, or repair of crucial house appliances till the end month may worsen the situation. Small cash loans can be of great assistance in such situations. Small cash loans can of great help in such situations to help you take care of the emergency and repay later.

Nation 21 Small Online Cash Loans

People have different needs that prompt them to seek for small cash loans. Lenders understand this and therefore a single lender may have various types of small cash loans that differ in amount, repayment plans, rates, and other terms. This diversification is good for you, the borrower because it allows you to choose the package that is most suitable for you.

Applying does NOT affect

your FICO® credit score!

Nation 21, however, offers you an even better deal. Nation 21 is a platform through which borrowers are connected to potential lenders. If you need a small cash loan, for instance, our team will assess your application and match you with a number of lenders that offer the type of loan you want.

As a result, you have a bigger variety of loan offers to choose from and thus it is more likely that you will get a loan that caters to your needs. Once we match you with the lenders, you are free to negotiate with them individually so you can get terms that are most pleasant to you. The Nation 21 team doesn’t influence the negotiations at all and, if none of the offers suit you, you are free to decline all the offers without repercussions.

Examples of Small Cash Loans

Small cash loans can be classified into different groups. Some of the groups include:

Utilizing Small Online Cash Loans

Small cash loans are intended to see you through a rough financial patch. You can therefore take the loan when you are out of cash midway through the month. Like other types of loans, however, you have to be careful or the loan could cause you more financial headache.

Proper use of loans begins during the application process. You should determine what you need the money for and the amount. Then borrow just enough. It can be very tempting to keep borrowing more because it is very easy to get cash loans online. However, borrowing without restraint will strain your income and cause you more problems in the future.

You also need to be disciplined in spending and repaying the loan. Avoid using the money to fund vacations and other expenses that you can save for gradually.


  • At least 18 years of age. Some lenders require a minimum 21 years
  • Valid US identification documents
  • Must be a US citizen residing in the US at the time of application
  • Should have proof of your permanent residence
  • A functional bank account is required to facilitate repayment
  • Many lenders require you to have a stable job having worked in the same place for at least 3 months

Special Requirements for Easy Cash Loans

Some of our lenders have other special requirements. For example, many lenders do not lend money to people serving in the military. Others serve native Indians only.

Final thoughts

Today it is very easy to apply for small cash loans online and get your application approved in minutes. Don’t be afraid if you are in a tough financial situation. Apply for the loan and be disciplined in spending and repaying the loan. Following through with your repayment schedule is good business for your lender but it also reflects well on you as your credit history improves.

Applying does NOT affect

your FICO® credit score!

Do you have any further questions?