Truth in Lending
All personal loan providers are regulated by federal and state law.
Applying is quick and easy. Our short online form can be completed in just 2 minutes.
Many of the lenders in our network report on-time payments to credit agencies.
We can let you know if your approved on average within 60 seconds.(²)
Loan funds will be deposited in your account same or next working day.(³)
No History Needed
Regardless of previous credit history, we help people find the funding they need.
InstalmentLenders.com is an online loan matching service that allows customers across America to access extra cash when they need it. We provide finding services for Installment Loans, Unsecured Loans and Personal Loans to customers from all credit backgrounds.
Our online services are quick, easy and hassle-free, allowing customers to access funds from between $500 and $7,500 in a hurry, and repay over a minimum of 3 months to a maximum of 36 months.
Do You Qualify
We exist to help our customers find the loans and finances they need, when they need them most. The qualification to use our service is very flexible. The only conditions you need to meet are that you must be over 18 and a resident of the United States with a permanent address, have a regular income and hold a checking account.
Unlike other companies, we don’t ask for your entire life history when you complete your loan application. To assess your suitability for the loan product you’re applying for, we only need a few brief details. You won’t be asked to provide paperwork, talk to us on the phone or have a face to face meeting. All we need to know is:
Basic information about who you are – your name, address, age, address and telephone.
About your employment – how long you’ve been working and your monthly earnings.
Your transfer details – to allow your loan funds to be transferred to your account.
How it works
Applying for a loan via our online lending network is simple, safe and secure. The entire application will take no longer than ttwo minutes, and can be completed 100% online.
Complete online process
Provide us with some basic personal details and how much you’d like to borrow. This shouldn’t take any longer than 5 minutes and your data is 100% secure.(¹)
Review your loan offer
We’ll provide you with a loan offer straight away. If you’ve been approved, we’ll send the loan offer terms for you to review. You are under no obligation to accept any loan offered to you.
Accept and get funds
Once you’ve agreed to your loan terms online and confirmed you want to proceed, your funds can be transferred to your checking account normally within 24 hours or same day.(³)
Credit Check Disclosure
We do not make any loans or credit decisions. Our lenders may perform credit checks to determine your credit worthiness, credit standing and/or credit capacity. Credit checks may be performed with the 3 reporting credit bureaus: Experian, Equifax, and Trans Union. By submitting your request you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing a payment or making a late payment can negatively impact your credit score.
Lender Network Disclosure
InstalmentLenders.com is a free no-obligation service which connects consumers who are looking to borrow with lenders who are willing to lend to them. We are not a lender and we don’t provide any loan funds, make lending decisions or influence loan approvals. Lenders in our network each have unique lending criteria and individual terms and conditions. When a lender approves you for a loan, they will provide you with a no-obligation loan offer which you should read carefully before deciding whether to progress with the loan. You are under no obligation to accept any loan offers you are provided with. Using InstalmentLenders.com allows you to reach a network of lenders who fit your unique borrowing needs via one quick and easy search. We use our bespoke financial technology to save you time and effort searching for a lender who fits your needs, whilst filtering out companies that don’t suit your borrowing requirements or personal circumstance.
State Availability Disclosure
Not all InstalmentLenders.com network lenders operate in all US states. Residents of some US states may not be eligible for installment loan products, due to state legislation requirements. By entering your ZIP code at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you are resident in certain US states.
For more information on our current State loan availability and Usury limits
Truth in Lending Policy
All lenders in the InstalmentLenders.com network adhere strictly to the Truth in Lending Act and will provide fully transparent loan offers and contractual agreements as best practice and as required by federal law. Truth in Lending helps protect consumers against predatory and unscrupulous lending. It’s really important to read all paperwork carefully to ensure you understand repayment terms, dates, APR and any other charges associated with your loan. Remember, you are under no obligation to accept any loan offer unless you are completely happy with the terms offered.
When you receive a loan offer via our network, your lender will disclose details of all relevant loan information, including the applicable interest rates, any additional fees there may be, repayment terms, unique terms and conditions and any other key loan information. You should read and understand this information before you decide to progress with the loan offer. It’s important to us that you make informed financial decisions when you use our services. There’s no obligation or pressure to accept any loan offer you are provided with, and you can choose to decline any loan offer made to you.Let's get started
InstalmentLenders.com is not a lender and does not have the ability to disclose exact APR. Consumers who originated via a paid Google advertisement feature rates on InstalmentLenders.com of a minimum of 3.95% APR to a maximum of 35.99% APR (calculated consistent with the Truth in Lending Act, TILA) with repayment terms from 3 months to 36 months. This number will be set by your lender and you will be notified of the final number before accepting the loan terms. Annual percentage rates can vary based on both: 1) the information that you supply in your initial loan request, and 2) the information that your lender supplies to you.
Rates based on creditworthiness and are subject to change without notice. Your actual rate and monthly payment may vary. Must be 18 years of age or older to apply. InstalmentLenders.com does refer consumers to trusted professional lenders who can provide loan information and assistance. There is no charge for our service. Once your application has been submitted and if approved, you shall be presented with the loan offer agreement. Lenders will disclose all details related to the loan — including APR, loan finance charges, or any other loan terms you would be agreeing to. We recommend to all users to carefully read and review the loan terms of any offer you receive. If you still have questions related to APR or loan related services, please contact us for more assistance.
If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR.
Examples of APR and loan costs
When borrowing, it is essential to understand the implications that may happen if you do not adhere to the terms and agreement of your loan. We have listed here the possible repercussions and stress that you thoroughly read and understand the terms of any loan offered to you before making a final decision to proceed.
Late or Non Payment
By accepting the terms and conditions of a personal loan, you essentially agree to repay the loan both: 1) with interest and 2) in the time frame specified in the loan agreement. In most cases, failure to repay the loan in full, or making a late payment, can result in additional charges. InstalmentLenders.com cannot predict or estimate what supplemental costs will be incurred in the event of late, partial, or non-payment. nstalmentLenders.com also has NO control or knowledge of any loan agreements or details between you and your lender.
Please carefully review the late, partial, and non-payment policies that your lender provides with your loan agreement. InstalmentLenders.com works hard to partner with only the most trustworthy and reputable lenders who pursue the collection of past-due loan accounts in a fair and reasonable manner.
Credit Score Impact
Our lenders may perform credit checks to determine your creditworthiness, credit standing and credit capacity. By submitting your request, you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing a payment or making a late payment can negatively impact your credit score.
InstalmentLenders.com is not a lender and, because of this, we have NO involvement in the debt collection process. As part of the lending agreement provided to you by the lender, they will disclose their debt collection practices. If you have any collection questions, please contact the lender for complete details. InstalmentLenders.com only works with reputable lenders who use fair collection practices.
(¹) – Five minutes is the average time taken to complete the online loan offer process, submit your details and receive a loan offer decision if approved.
(²) – Sixty seconds is the average time it takes to receive a response from our system once you have submitted your details for a loan offer decision.
(³) – Depending on the loan amount, lender and your bank’s clearing times funds can be received on the same day, next day or within a few days.