loanlistusa.com is not a lender and therefore does not make short term loans or credit decisions. We are a loan connecting service where we connect consumers with independent third party lenders. You register online from your home computer or any mobile device. Because the process occurs in real time, it’s very fast. If you are connected with a lender you will receive an offer from that lender with the terms and conditions of the loan. If you agree to the terms (and you may decline them,) the money could be available for your use as soon as the next business day.