Online Installment Loans Smarter Than a Payday Loan
Request up to $5,000 with manageable monthly payments. Even with bad credit, our direct lender network provides clear terms, fixed rates, and no hidden rollover fees.
Request Your Installment Loan
What to Expect When You Request
- Secure & Fast: The form takes minutes to complete. Your data is encrypted using bank-level security.
- Soft Credit Pull: We do not complete a hard credit check. Your credit score will not be negatively impacted.
- Instant Decision: If matched with a lender, you can review your offer and get approved instantly online.
Why Choose an Installment Loan?
When you're in a financial pickle, relying on friends or a conventional bank isn't always an option. An online installment loan provides the fast cash you need without the aggressive repayment terms of a payday advance.
How is this different from a payday loan?
Unlike payday loans that require full repayment on your next pay date, installment loans allow you to pay back the money in equal shares every month. The order of credit payments is known beforehand, and you can often repay the loan ahead of schedule to save on interest.
Can I get approved with bad credit?
Yes. All borrowers can apply whether you have good credit or bad credit. Our network performs a soft credit assessment that will not show on your credit report or negatively impact your score. We help you find a suitable loan even with a poor credit score.
How fast is the funding process?
From the time you register and submit your application, it typically takes no more than one business day to receive the amount requested. The exact waiting time depends on your bank and how accurately you provide the necessary information.
The True Cost of Borrowing: Installment vs. Payday
We believe in complete transparency. Before you request a loan, understand how a structured installment loan compares to a typical cash advance.
See the Payday Loan Alternative (Warning)
A single-payment payday loan for $500 in a state with a $15-per-$100 fee structure costs $75 over 14 days, equating to an effective APR of 391%.
If that loan is rolled over three times — the statistical average for payday borrowers — the total cost reaches $300, or 60% of the original principal, with no reduction in the balance.
The installment structure in our example reduces the effective APR by roughly 88% compared to the rolled payday scenario, and you build equity with each payment rather than paying fees alone.
- Is the 36% APR inclusive of all fees, or are fees charged separately?
- What is the origination fee, and is it deducted from the disbursement or added to the balance?
- Is there a prepayment penalty for paying off the loan early?
- Does the lender report to all three credit bureaus (Equifax, Experian, TransUnion)?
How to Request an Online 24/7 Loan
The application process for a loan with us is simple and quick. You can apply from your phone, tablet, or desktop. It is so quick and easy; you can apply for fast secure loans while on the go!
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1
Choose Your Amount
Select how much funding you need. Whether you need a small $100 loan or up to $5,000 for larger expenses, we have options. Use our resources to make effective loan decisions.
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2
Fill in the Form
Complete the secure, straightforward, and fast application form at the top of this page. We do not complete a hard credit check; rather, a soft credit assessment is performed.
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3
Get Matched & Approved
We connect you to multiple direct lenders based on your application. While not all loan applications are approved, we do our best to assist you in finding a sum you can afford.
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4
Receive Your Funds
Once approved and you agree to the lender's terms, the funds are transferred to your designated bank account. This normally takes no more than one business day.
Basic Requirements for Borrowers
The requirements for borrowers are minimal. They may vary depending on the state and among lenders, but the basic conditions remain the same.
- Be 18 years of age or older
- Legal residency in the United States
- A constant, verifiable source of income
- An active bank account in your name
- A current home address and contact number
- Perfect credit history (bad credit accepted)
- Collateral or physical assets
- To visit a physical storefront
- Hard credit inquiries initially
- Hidden charges or upfront fees
Understanding Your Lending Options
APRs for installment loans range from 6.63% to 225%, and APRs for personal loans range from 4.99% to 450% and vary by lender. We are an advertising referral service to qualified participating lenders.
- Amount
- Up to $5,000
- Term
- 3 to 24 months
- APR Range
- 6.63% - 225%
Borrow larger sums with structured, equal monthly payments. Ideal for unexpected expenses like medical bills or home improvement that you need to pay off over time.
- Amount
- Up to $35,000
- Term
- 1 to 5 years
- APR Range
- 4.99% - 450%
Unsecured loans for larger financial needs. Often require better credit but offer lower rates and longer terms for major life events or debt consolidation.
- Amount
- $100 - $1,000
- Term
- 7 to 31 days
- APR Range
- Varies by State
For emergent situations when you need funds fast. These are meant to address immediate expenses on the smaller side of the financial scale and are not a long term solution.
Frequently Asked Questions
Is it possible to get a loan with bad credit?
Yes. Applying for a bad credit loan may be achieved right here. We work with a network of lenders that can help you find a suitable loan if you are affected by a poor credit score. A payday installment loan can even serve as a way to get your credit back on track if you keep up to date with your instalments.
Does requesting a loan affect my credit score?
No. We do not complete a hard credit check that may have a negative impact on your score. Rather, a soft credit assessment is performed that will not show on your credit report. If you accept a lender's offer, they may perform a hard pull before finalizing the funds.
What occasions can these loans be used for?
Home improvement and renovation, car emergencies, medical expenses, special occasions, or to prevent penalties on a late payment. It is important to note that a cash advance is not a long term financial solution.
What distinguishes your service from other lenders?
We strive to protect our reputation for honesty. Our terms are clear, there will be no hidden charges. We believe in protecting our customers from the rollover loan (a process in which a loan is used to repay an outstanding loan) and provide utmost confidentiality. We will not sell your information to other third parties.
Ready to Request Your Funds?
Get your loan online as soon as next business day. Where you live doesn’t really matter, online loans are available for you. No personal collateral is required. We work 24/7, 365 days a year.
Start Your Request →By submitting a request, you agree to our Terms and Privacy Policy.
Educational Disclaimer
We are not a lender, loan broker, or credit services organization. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance, up to $5,000 for installment loans, and up to $35,000 for personal loans. We do not make credit decisions and do not guarantee loan approval.
APR Disclosure: APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 225%, and APRs for personal loans range from 4.99% to 450% and vary by lender. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments.
Material Disclosure: The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance, up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by a lender.
Credit Implications: The operator of this website does NOT make any credit decisions. Independent, participating lenders that you might be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans.