Guaranteed Installment Loans for Bad to Good Credit Direct lenders 

Quick Decision, get up to $5,000, with Monthly installments.

Applying does NOT affect your FICO® credit score!

Lowest APR Compare to Payday Loans, Click Below. Instant Funding.

Small installment loan from state licensed direct lender for the borrowers living in the following states Alabama, California, Delaware, Idaho, Illinois, Mississippi, Missouri, New Mexico, Utah, & Wisconsin. Best for the people under 580 credit. See offers below

Guaranteed Installment loans Direct Lenders Only:

Online direct lenders for installment loans, offer a simple, reliable way for under-served or under-banked Americans to get an installment loan when they need it most. As one of the best alternatives to payday lenders, it’s customers have the flexibility to repay the loan over a duration of time that makes sense for their lives and budget.

With a simple and secure application process from any device, first-time customers can have $500 – $10,000 cash in their pocket as soon as the next business day.

Installment loan amount, term and rates are as per the state law.

  • APRs for installment loans range from 6.63% to 225%

Checking your rate won’t affect your credit score. Feel free to check your rate, if you are living in the one of following states. Find rate, exact loan amount, term in minutes and get funded next business day.

There is no prepayment penalty.

This monthly installment loan is best suited for the borrowers with min $1,500 monthly income after tax. 

Apply today and get up to $10,000 tomorrow. Get instant decision within few minutes. Loan amount directly deposit to your checking or saving account, typically in 1 business day.

  • Not available for New York borrowers.

Direct lender Installment loans for Bad Credit:

MoneyKey is a state-licensed lender that offers installment loans online up to $2,600 depending on the state of residency.

  • Must have a checking account

To get installment loan from direct lender, you must be living in the following states: Alabama, California, Delaware, Idaho, Illinois, Mississippi, Missouri, New Mexico, Utah, & Wisconsin.

direct lender installment loans for bad credit


  • Be at least 18 years old. (19 in Alabama).
  • Have a regular source of income. If your income is from employment, you have been working for your current employer for at least 3 months.
  • Have a traditional bank account in your name with 90 days of history.
  • Receive their paychecks through direct deposit. (Due to state regulations, residents of New Mexico are exempt from this requirement.)
  • Must have SSN, Driver’s License, and Bank checking account.

Repayment term: Weekly, bi-weekly, and monthly.

Payment flexibility options: Offers refinancing after on-time payments.

Advantage: Reports payments to Equifax, Experian and TransUnion.

Visit check rate now

Monthly Installment Loans No credit check Direct Lenders Rate:

  • Rates 6.63% to 225%

Example: If you apply for $2,000 installment loan for 12 months with bad credit i.e under 600 credit.  For an estimated APR of 160%, your estimated monthly payment will be $343.

No collateral required.  Customer rate on Facebook and google 4.8/5 star.

  • Term up to 36 months
  • Both term and APR vary by state
  • No prepayment or hidden fees.
  • Easily improve your credit score!
  • Make Monthly or bi-monthly repayments
How Installment Loan direct lender’s performs credit check? lenders don’t perform credit checks through the three major credit bureaus Experian, Equifax, or TransUnion. Instead, their applicants’ credit scores are provided by Clarity Services, Inc., a credit reporting agency.


Lenders also asks your bank statements to get a picture of your cash flow.

The company wants to lend to people who cannot qualify for traditional credit and eventually help them move into the credit mainstream. Many customers use the loan for emergencies, such as car repairs or medical expenses etc.