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.
$5,000
Max request amount
3–24
Month terms
24/7
Online access
Request your installment loan
By submitting, you agree to our Privacy Policy and authorize a soft credit check. This does not affect your credit score. Lenders may contact you at the phone number provided, including via auto-dial, SMS, or prerecorded messages.
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?+
Can I request with bad credit?+
How fast is funding?+
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.
12-month installment 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
- $127.76
- Effective APR (incl. fee)
- 44.4%
14-day payday loan
- Principal
- $500.00
- Term
- 14 days
- Fee structure
- $15 per $100
- Fee
- $75.00
- Total due
- $575.00
- If rolled over 3 times
- $300.00
- Total cost (no rollover)
- $75.00
- Effective APR (no rollover)
- 391%
If rolled over three times — which CFPB research identifies as common for payday borrowers — fees reach $300, or 60% of the original $500, with no reduction in the balance owed.
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.
Choose your amount
Select the amount you need, from a small $100 request up to $5,000 for larger expenses.
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.
Get matched
We share your request with lenders in our network. Not every request is approved, and any approval is the lender's decision.
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.
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.
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 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
See all 16 questions →Can I get a loan with bad credit?+
Does requesting affect my credit score?+
What can these loans be used for?+
How does your service work?+
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.
Important disclosures
Not a lender. This website is not a lender, loan broker, or credit services organization. It is an advertising referral service to participating lenders that may offer $100–$1,000 for cash advances, 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 approval.
State availability. Loan products, amounts, and terms are not available in all states, and short-term lending is prohibited or restricted in some jurisdictions. Residents of states where a product is not offered will not be matched with a lender for that product.
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. Your APR depends on the amount, cost, and term of your loan, the repayment amounts, and the timing of payments.
Credit implications. This website does not make credit decisions. Participating lenders may perform credit checks or obtain consumer reports to determine creditworthiness. By submitting your information, you authorize participating lenders to verify it and check your credit. Short-term loans are not a solution for long-term debt. Consider seeking professional advice about your financial needs, risks, and alternatives.