Online Installment Loans
Extra cash with steady, predictable payments is within reach. Our online installment loans give you a fixed payoff date and clear costs from the start. Apply in minutes, get funds fast and manage the balance entirely online with equal monthly amounts.
Why Choose an Installment Loan?
Installment loans spread the cost of borrowing over a set number of months. You know the exact payment and payoff date before you sign. Steady payments can fit a budget better than a single due date.
Funds move directly to your checking account, often by the next business day. No branch visit, no paperwork mess. Just a secure online process backed by helpful support.
How It Works
Step 1: Fill out the simple form with your contact and income details. The form usually takes about five minutes.
Step 2: View the offer on screen. It shows loan amount, number of payments and total cost. Read it carefully and ask questions if anything is unclear.
Step 3: Sign electronically. We send funds once the agreement is complete, sometimes as soon as the same day.
Typical Costs
APR Range: 25% – 160%
Origination Fee: 1% – 10% of the loan amount
Late Fee: $15 or 5% of the missed payment (whichever is lower)
Numbers vary by loan size, term, and state guidelines. For a full breakdown visit our complete fee details page.
Key Benefits
Fixed payment dates, early payoff without extra cost in most states, bank‑grade 256‑bit encryption, and live help by phone, chat or email.
Can I Qualify With Bad Credit?
Yes. We review income and banking history first. Many people with lower credit scores still gain approval for bad credit loans. Checking your options here will not lower a traditional credit score.
Compare Payment Plans
Use our interactive loan calculator to test different amounts and terms. If you want to review two schedules side by side, open the compare two loans before you apply.
Smart Borrowing Tips
Borrow only what you need, check the due dates against your pay cycle, and contact us early if a payment looks hard to make. Staying ahead of changes keeps the loan affordable and protects your budget.
Who Uses Installment Loans?
People turn to an installment loan when a big expense will not wait for the next paycheck. Common reasons include medical bills, car repairs, home equipment or school costs. Spreading repayment over predictable dates keeps these surprise bills from wiping out an entire pay period. If an expense is larger than a easy payday loans can cover, or if you prefer more time to pay, an installment loan may be a stronger fit.
Repayment Flexibility
You may choose bi‑weekly or monthly payments, depending on your pay cycle. Changing the schedule can lower each installment, though it may lengthen the loan term. Use the calculator above to see how a longer plan changes the total cost, then pick a timeline that fits your income pattern.
Security & Privacy
Your data moves through the same encryption banks use. We never sell, rent, or trade your information. Read our full privacy policy before you apply, and contact us if you have questions.
Start Your Application
Send our quick form to view your personal loan amount, payment schedule, and full cost - no obligation to accept. The offer appears on‑screen in minutes, letting you decide at your own pace.
If the terms fit your budget, sign electronically and funds can reach your bank as soon as the next business day.
Frequently Asked Questions
How fast will I get the money?
Approved loans are usually funded by the next business day.
Do you perform a hard credit pull?
No. We use alternative data sources, so your application will not show up on a traditional credit report.
Is early payoff allowed?
Yes. You may pay off the balance early and reduce interest without a penalty.
What states do you serve?
Availability depends on local rules. Start the form and we tell you right away if your state is covered.
What if I miss a payment?
Call or email us as soon as possible. We can often adjust the schedule or set up a new date.