Borrow $200 to $5,000 with one fixed monthly payment. Check your rate in minutes without affecting your credit score.
Most people start with our personal loan. If you need a smaller bridge to payday, want to build credit, or need more than $5,000, there's an option for that too.
A fixed-rate installment loan with the same payment every month until it's paid off.
Often used for debt consolidation, car repairs, and medical bills.
A short-term advance on your next paycheck, for when the gap is small and the timing is tight. Loan or cash advance?
A 12-month loan designed to build payment history, reported to the major credit bureaus.
For debt consolidation or a big expense, we connect you with lenders in our partner network.
Loan amounts, rates, and product availability vary by state and by your credit profile. All loans are subject to credit review and approval. See our rates and fees or compare the alternatives.
Tell us how much you need and a little about your income. We use a soft credit inquiry, so your score stays untouched.
See your APR, monthly payment, and total cost before you commit. Pick the term that fits your budget.
Sign your agreement online. We send your money by ACH direct deposit, as soon as the same business day.
Before you start, check what you need to apply.
The numbers below apply to our $200 to $5,000 personal loan. You'll see your own rate before you sign anything.
Your APR is set when you sign and never changes, so every payment is the same amount.
Interest accrues on what you still owe. Paying ahead lowers your total cost, with no penalty.
Checking your rate is free and doesn't commit you to anything.
Representative example: a $2,500 loan at 24.99% APR repaid over 12 months has 12 monthly payments of $237.60. Total repaid is $2,851.18, of which $351.18 is interest. Your rate and terms may differ. Try your own numbers.
Four basics. No paperwork to mail, no branch to visit.
And a U.S. citizen or permanent resident living in a state where we lend.
Employment, self-employment, benefits, or retirement income all count.
This is where we deposit your funds and collect your monthly payment.
For your loan documents, verification codes, and payment reminders.
Pick an amount and a term to see what you'd pay each month, before you apply.
Estimated monthly payment
Shown before any origination fee. Your actual APR depends on your credit profile and state.
Transmission went out two days before payday and I was freaking out. Applied around 9am, got my offer back in like 10 minutes, signed, and the money was in my checking account by 2pm. Same business day funding is real with these guys. Payments are the same every month so budgeting is easy.
Was drowning in three cards all at 24-29% APR, basically living on minimum payments. Got approved at 18.99% and did a straight credit card consolidation. One monthly payment now instead of three. Rate check was a soft inquiry so my credit score didn’t take a hit either.
Honestly didn’t think I could get a personal loan anywhere with my score, but these guys gave me a rate I could live with. Way better than any payday loan or “bad credit” lender I looked at. Five months in, score is already up 42 points because they report to all three bureaus.
My son’s ER visit left us with a $2k bill after insurance. Did not want to put emergency medical bills on a credit card at 25% and still be paying it off two years later. Fixed rate installment loan, one predictable payment, and I know exactly when it’s done.
Needed a quick $500 to make rent until payday. Most online lenders won’t even talk about anything under a grand. Applied Thursday night, money was in my account Friday morning. Paid it off early at month 4 and there was no prepayment penalty.
Mostly a good experience. Application took like 5 minutes, decision was fast, and the APR they quoted didn’t change at signing. Only knock — the 4% origination fee came out of my loan amount so I got a little less than $3,000 in my checking. They did show this upfront to be fair.
Still deciding? Read the pros and cons or compare the alternatives.
A personal loan isn't the right tool for every situation. Here's how ours compares with the other common options, including the ones that may cost you less.
$200 to $5,000
5.99% to 35.99% APR, plus an origination fee of 0% to 5%
Fixed monthly payments over 3 to 24 months
You want to spread a cost over several months with a payment that doesn't change.
$200 to $2,000
APR capped at 28%, plus an application fee of up to $20
Installments over 1 to 12 months
You belong to a federal credit union that offers them. Often the cheapest option on this list.
Usually a few hundred dollars
No interest, but often a subscription, an instant-transfer fee, or a requested tip
In full on your next payday
The gap is small and you can repay it all from one paycheck. Installment loan or cash advance?
Up to your card's cash advance limit
An upfront fee, and a higher APR that starts accruing the day you withdraw
With your card balance, no fixed end date
You already have the card and can pay it back within a few weeks.
Typically up to $500, depending on your state
Around $15 per $100 borrowed, close to 400% APR on a two-week loan
One lump sum in 2 to 4 weeks
Rarely. Check every other option on this list first.
Figures for other products are typical ranges and vary by provider and state. PAL limits are set by the National Credit Union Administration; the payday loan cost example is from the Consumer Financial Protection Bureau.
What this loan does well, and where it may not be your best option.
Your APR is set when you sign, so every monthly payment is the same amount. Estimate yours.
Loans start at $200, so a small expense doesn't have to become a big debt.
Pay it off early whenever you like and you'll pay less interest.
Seeing your offer uses a soft inquiry and commits you to nothing.
Once you sign, money is sent by direct deposit as soon as the same business day.
Rates run up to 35.99%. With good credit, a bank or credit union loan will usually cost less.
A fee of 0% to 5% can be taken out of the amount you receive.
For anything larger you'd be matched with a partner lender on their terms.
We don't lend in every state, and amounts and fees vary by state.
A $15 late fee applies after a 10-day grace period.
You need $200 to $5,000, want a few months to repay it, and want to know exactly what each payment will be.
You qualify for a credit union loan at a lower rate, you only need a small amount until payday, or the monthly payment would stretch your budget.
Check your rate in about three minutes. It's free, it won't affect your credit score, and you can walk away if the numbers don't work.
Start my application
Before you sign anything, you'll see your APR, your monthly payment, and the total you'll repay.
Personal loans range from $200 to $5,000. The amount you're approved for depends on your income, your state, and your credit profile. Use the payment calculator to see what an amount would cost each month.
No. Checking your rate uses a soft credit inquiry, which doesn't affect your credit score. A hard inquiry may be made only if you accept a loan offer.
Once you're approved and have signed your loan agreement, funds are sent by ACH direct deposit, as soon as the same business day. Exact timing depends on when you sign and on your bank. See how the three steps work.
There's no single minimum score. We also look at your income, your existing debts, and your recent bank account activity.
Yes. There's no prepayment penalty, and paying early reduces the total interest you pay.
You need to be at least 18, live in a state we serve, have a regular source of income, an active checking account, and a valid email address and mobile number. The full list is under what you need to apply.
Contact us before your due date. Depending on your situation we may be able to move your due date or set up a payment plan.
An installment loan spreads a larger amount over fixed monthly payments. A cash advance covers a small gap and is repaid in one go on your next payday.
APR is the yearly cost of a loan including interest and required fees. It lets you compare two offers on equal terms, whatever their length.
A soft inquiry lets a lender preview your credit without affecting your score. A hard inquiry happens when you take the loan and can lower it slightly for a while.
Instacash
Online personal loans from $200 to $5,000 with one fixed monthly payment and no prepayment penalty.
Questions? Email [email protected]Tools & guides
Company
Rates and terms. All loans are subject to credit review and approval. Personal loan APRs range from 5.99% to 35.99%. Your actual APR, loan amount, and term depend on your credit history, income, and state of residence. Example: a $2,500 loan at 24.99% APR over 12 months has 12 monthly payments of $237.60 and a total repayment of $2,851.18.
Availability. Loans are not available in all states. Product availability, loan amounts, and fees vary by state.
Funding. Money is sent by ACH direct deposit once your agreement is signed, as soon as the same business day. Arrival time depends on when you sign and on your bank's processing.
Equal credit opportunity. We do not discriminate against applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from a public assistance program.