Fast & Secure Online Request

Online Installment Loans With Fixed Monthly Payments

Request up to $5,000 and repay in equal monthly installments. Applicants with less-than-perfect credit can request through our lender network, which discloses terms and rates before you accept.

Request Your Installment Loan

What to Expect

  • Secure form: The form takes a few minutes. Your data is transmitted over an encrypted connection.
  • Soft credit check: Requesting does not trigger a hard inquiry, so your credit score is not affected at this stage.
  • Fast decision: If a lender matches your request, you can review the offer online before you agree to anything.

By submitting, you agree to our Privacy Policy and authorize a soft credit check. This does not affect your credit score.

  • Up to $5,000
    Request what you need
  • Monthly Payments
    Fixed, scheduled terms
  • Soft Credit Check
    No hard inquiry to request
  • Next-Day Funding
    When approved by a lender

Why Consider an Installment Loan?

An installment loan spreads repayment across scheduled monthly payments instead of a single lump sum on your next payday. This can make budgeting easier when a bank loan is not available.

How is this different from a payday loan?

A payday loan is usually due in full on your next pay date. An installment loan is repaid in equal monthly payments over a fixed term, and many lenders let you pay it off early to reduce interest.

Can I request with bad credit?

You can request whether your credit is good or poor. The initial request uses a soft credit check that does not appear on your credit report. Approval is decided by the lender, not by this website.

How fast is funding?

If a lender approves you and you accept the terms, funds are often deposited within one business day. Timing depends on your bank and the accuracy of the information you provide.

The Cost of Borrowing: Installment vs. Payday

This is an illustrative example, not an offer. Use it to compare how a fixed installment loan works against a single-payment payday loan.

Scenario
You need $500.00 for an emergency car repair, and you are comparing a 12-month installment loan with a 14-day payday loan.
Principal
$500.00
Term
12 months
Stated APR
36.00%
Origination fee (5%)
$25.00
Monthly payment
$50.23
Total of payments
$602.76
Total cost of credit (incl. fee)
$127.76
Effective APR (incl. fee)
44.4%
Compare: the payday loan alternative

A single-payment payday loan of $500 in a state with a $15-per-$100 fee costs $75 over 14 days, an effective APR of about 391%.

If that loan is rolled over three times, which CFPB research (source) identifies as common for payday borrowers, the fees reach $300, or 60% of the original $500, with no reduction in the balance owed.

In this example the installment structure has a far lower effective APR than the repeatedly rolled payday loan, and each payment reduces the balance rather than paying fees alone.

Questions to ask any lender:
  • Does the stated APR include all fees, or are fees charged separately?
  • What is the origination fee, and is it deducted from the amount you receive or added to the balance?
  • Is there a penalty for paying the loan off early?
  • Does the lender report payments to Equifax, Experian, and TransUnion?

How to Request Online

The request works on a phone, tablet, or desktop and takes only a few minutes to complete.

  1. 1

    Choose Your Amount

    Select the amount you need, from a small $100 request up to $5,000 for larger expenses.

  2. 2

    Complete the Form

    Fill in the secure request form at the top of this page. The initial request uses a soft credit check, not a hard inquiry.

  3. 3

    Get Matched

    We share your request with lenders in our network. Not every request is approved, and any approval is the lender's decision.

  4. 4

    Receive Your Funds

    After you agree to the lender's terms, funds are transferred to your bank account, often within one business day.

Basic Requirements

Requirements can differ by state and by lender, but the basics are consistent across the network.

You need:
  • To be 18 years of age or older
  • Legal U.S. residency
  • A verifiable source of income
  • An active bank account in your name
  • A current address and phone number
You do not need:
  • Perfect credit history
  • Collateral or physical assets
  • To visit a physical store
  • A hard credit inquiry to request
  • To pay upfront fees

Your Lending Options

APRs for installment loans range from 6.63% to 225%; APRs for personal loans range from 4.99% to 450% and vary by lender. This site is an advertising referral service to participating lenders.

Featured

Installment Loans

Amount
Up to $5,000
Term
3 to 24 months
APR Range
6.63% – 225%

Borrow a larger sum and repay in equal monthly payments. Suited to expenses you plan to pay off over time, such as medical bills or home repairs.

Flexible

Personal Loans

Amount
Up to $35,000
Term
1 to 5 years
APR Range
4.99% – 450%

Unsecured loans for larger needs. They usually require stronger credit but can offer lower rates and longer terms, for example for debt consolidation.

Short Term

Short-Term Loans

Amount
$100 – $1,000
Term
7 to 31 days
APR Range
Varies by state

For small, immediate expenses. These are due quickly and are not intended as a long-term financial solution.

Frequently Asked Questions

Can I get a loan with bad credit?

You can submit a request with a low credit score. Lenders in the network consider applicants with poor credit, and paying on time can help you rebuild credit if the lender reports to the credit bureaus.

Does requesting affect my credit score?

The initial request uses a soft credit check that does not appear on your credit report. If you accept a lender's offer, that lender may run a hard inquiry before releasing funds.

What can these loans be used for?

Common uses include car repairs, medical expenses, home repairs, or avoiding a late-payment penalty. A short-term loan is not a long-term financial solution.

How does your service work?

We are a referral service, not a lender. We share your request with participating lenders, disclose terms before you accept, and do not sell your information to unrelated third parties.

Ready to Submit Your Request?

If a lender approves you, funds can arrive as soon as the next business day. No collateral is required to request. Availability and terms depend on your state and the lender.

Start Your Request

By submitting a request, you agree to our Terms and Privacy Policy.