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It has been said that love makes the world go 'round. Ask anybody with bills to pay, and they would possibly argue that it is money in fact that makes the world go 'round. The problem is often times people find that there are more days at the end of the month than there is money in the bank. Sometimes, it is just a matter of bad timing with bills coming due, it could be the person did not budget is money appropriately, or there was an unforeseen circumstance that cost more than the person had. Whatever the case, many people often find themselves in need of money for a short amount of time.

Because of this, many banks and lending institutions are offering a short term loan. These loans can vary and length of time and size, depending on several factors: credit history of the applicant, what the money is to be used for, and the bank's willingness to assume the risk associated with the loan.

A loan of this type could be as short as six months or as long as five years. The size of the loan can vary from a few hundred dollars to several thousand. There are lending institutions that are starting to specialize in short term, low dollar loans in order to help people in very tight circumstances without overwhelming them in a long term payoff or with them having to pay back a large amount of money.