5 websites for online installment loans with instant approval for US citizens with bad credit

5 websites for online installment loans with instant approval for US citizens with bad credit

Finding online installment loans can be incredibly challenging for Americans without picture-perfect credit histories and could also be quite frustrating. This is especially the case when you need cash urgently. Mentioned below are 5 installment loan providers to help you find the one best suited to your financial needs.

Quick overview


Viva Payday Loans – Suited for all kinds of installment loans online


Low Credit Finance – Most suited for installment loans for bad credit


Big Buck Loans – Installment loans for unemployed individuals can be explored here


Heart Paydays – suitable for online installment loans with instant decision

5.Green Dollar Loans – For same day installment loans

1.Viva Payday Loans – Suitable for all kinds of installment loans online

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The application process for online installment loans on the Viva Payday Loans webpage is simple to complete, taking most applicants no more than a few minutes. The platform boasts an impressive $100 to $5,000 loan range and offers applicants 3 to 24 months to repay their online installment loans. The interest rates on Viva Payday Loans are quite reasonable, starting as low as 5.99{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550}.

Eligibility requirements

  • Earn $1,000+ per month
  • Be of legal age (18+)
  • Have a good income-to-expense ratio


  • The entire application process can be done online
  • Applicants with bad credit accepted
  • Customizable loan terms


  • Interest can be quite high.

2.Low Credit Finance – Most suited for installment loans for bad credit

low credit finance (7)ET Spotlight

Bad credit holders could perhaps opt for Low Credit Finance. While Low Credit Finance does accept applicants with poor credit histories, there is no guarantee for approval. Applicants can apply for installment loans for bad credit of up to $5,000 and choose a repayment period between 3 and 24 months.

Eligibility requirements

  • Monthly income of $1,000+
  • Minimum of 18 years old
  • Pass an affordability assessment


  • Loans up to $5,000
  • Repayment period up to 24 months
  • Applicants with any credit history welcome


  • Interest rates can be as high as 35.99{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550}

3.Big Buck Loans – Online installment loans for unemployed individuals

Big Bucks Loan 640X480 (5)ET Spotlight

Big Buck Loans makes it possible for individuals who are self-employed, unemployed, or receiving benefits to apply for online installment loans with instant approval with the same amount of ease as any other applicant. Through Big Buck Loans, applicants can borrow between $100 and $5,000 without being traditionally employed.

Eligibility requirements

  • Earn $1,000 per month minimum
  • 18+ years old
  • Active US bank account


  • Instantaneous approvals
  • Easy to apply for
  • Options for everyone


  • Interest rates can reach up to 35.99{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550}

4.Heart Paydays – Suitable for online installment loans with instant approvals

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Heart Paydays is a good fit for applicants who need cash now. The platform offers applicants personal installment loans between $100 and $5,000, with a repayment period of up to 24 months. Interest rates on the site range between 5.99{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550} and 35,99{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550}, and once an applicant submits their application, they will get an answer in less than two minutes.

Eligibility requirements

  • $250+ weekly income
  • Must be over 18
  • US bank account and mobile number


  • Same-day payouts
  • Applicants with poor FICO scores accepted
  • Loans can be adjusted to suit your needs


5.Green Dollar Loans – For quick same-day installment loans

Green Dollar Loans 640X480 (3)ET Spotlight

With Green Dollar Loans, there’s no time to worry about whether or not your application will be successful, as you’ll have a decision within two minutes. Applicants can borrow up to $5,000 per guaranteed installment loan for bad credit and repay it over two years. If an applicant is successful, they’ll receive their money within 24 hours.

Eligibility requirements

  • Over 18 years old
  • Earn $1,000 or more each month
  • US citizen or permanent resident


  • Quick online application process
  • Payouts within 24 hours
  • Options for bad credit borrowers


  • Interest can reach 35,99{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550}

What are installment loans and how do they work?

Personal installment loans are small loans, typically repaid over a short period, usually 3 to 24 months. The loan model for guaranteed installment loans for bad credit is quite simple, with applicants applying online in five minutes or less and then repaying the loan with interest fees attached.

How to apply for installment loans in quick steps?

You need to follow these four steps to apply for guaranteed decision on installment loans for bad credit:

Step 1: Choose your loan amount

You can choose to borrow $100 and $5,000 and select a repayment period of 3 to 24 months.

Step 2: Complete the application form

You will be prompted to add your personal information to the application form to complete it.

Step 3: Wait for a decision

After submitting your application, you will know in two minutes or less whether or not a lender can assist you.

Step 4: Get your loan

You will be sent a contract by the lender to sign and send back to receive your loan. You will be paid within 24 hours.

Installment loans features and factors to consider

Personal installment loans interest rates

An interest rate of 5.99{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550} to 35.99{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550} will be added to your guaranteed installment loans for bad credit and will be included as part of your monthly installment.

Loan amounts and repayment terms of personal installment loans

Applicants can borrow between $100 and $5,000 with each personal installment loan and can select a repayment period of 3 to 24 months to suit their needs.

The reputation of personal installment loans lenders

The loan-finders mentioned above work with well-reputed, trustworthy, and reliable personal installment loans lenders.

How to choose the top installment loans providers?

All the providers should offer the following:

  • Interest rates no more than 35.99{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550}
  • Easy application that can be completed entirely online
  • Payouts within 24 hours or less
  • Customizable loan terms


Viva Payday Loans is a top pick for guaranteed installment loans for bad credit direct lenders providers, as they offer their service free of charge and allow applicants to choose their own loan amounts and repayment periods.


What is the cost of getting guaranteed installment loans for bad credit from direct lenders?

Applying for guaranteed installment loans for bad credit from direct lenders through loan-finders such as Viva Payday Loans is completely free of charge, and you won’t encounter any unexpected hidden fees along the way.

What will happen if I don’t pay my only guaranteed installment loans for bad credit or no credit check on time?

If you default on your installments or make late payments for only guaranteed installment loans for bad credit or no credit check, you can expect a few negative points to be added to your credit score. You may also be charged a penalty or late fee by the lender.

How long do I need to wait between no credit check installment loans?

You will need to wait a minimum of 24 hours after paying off your first no credit check installment loans before you can apply for a second one.

Disclaimer – The above content is non-editorial, and TIL hereby disclaims any and all warranties, expressed or implied, relating to it, and does not guarantee, vouch for or necessarily endorse any of the content. The loan websites mentioned are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan. This article does not provide financial advice. Please seek help from a financial advisor if you need financial assistance. Loans available to U.S residents only.