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Installment loans use scheduled payments, but they are still expensive, so read the total you repay and compare cheaper help first.

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Installment Loans for Bad CreditInstallment lenders that approve low credit scores, compared on total cost, requirements and speed. Expensive credit — read the cost first.
Best Loans for Bad CreditFree help, credit-union PALs, paycheck-advance apps and installment lenders that approve low credit scores — with the real dollar cost of each.

CreditCube

Short-term installment loans from a tribal lender, with loyalty pricing for repeat borrowers.

Score 5.9

Amounts$100–$500
Term224 days (about 7 months)
SpeedResults within seconds of applying; funds next business day, or within about 30 minutes with Real-Time Funding where supported.

First-loan cost: borrow $500 → 16 payments of about $152 → $2,437 total repaid (779.97% APR)

Expensive credit — 779.97% APR. Try every cheaper step above before you use this.

CreditCube is operated by the same company that operates this site. See how we make money.

Not available to active-duty service members or their dependents (Military Lending Act 36% cap).

Tribal lender, owned by Big Valley Band of Pomo Indians (federally recognized tribe). It operates under tribal law, so state rate caps and some state protections may not apply. What tribal lending means for you →

See rates at CreditCube →Read the full review

Opens the lender's site. We may be paid if you apply.

Availability varies by state.

Last verified September 24, 2026