Loans

Best Loans for Bad Credit

Every option that will actually say yes, cheapest first — with the real cost of each in dollars.

By REPLACE WITH REAL NAME, REPLACE — e.g. 8 years covering consumer credit · Reviewed by REPLACE WITH REAL NAME · 2 min read · Updated September 24, 2026

You are on step 5: Subprime installment loans

Advertiser disclosure: we're paid when you apply through some links on this site, and some lenders here are operated by our parent company. Compensation does not change our scores or the order of the cost ladder. How we make money →

What you'll learn

Free help and credit-union loans cost a fraction of anything else on this page — check them before you scroll down.
Compare the total you'll repay, not the payment: on $500 the gap between the cheapest and most expensive installment lender here is over $1,500.
Four lenders on this page are operated by our parent company; they're labelled, scored on the same rubric, and listed on the step their price puts them on.

Before you borrow

Cheapest first. Work down only if you have to.

You are on step 5. If a higher step works for you, it's cheaper.

By the numbers

products compared

Check cheaper steps

lowest $500 total above this step

≈ $575 – $2,437

$500 total on step 5

How to choose

Start with the question that decides everything: can you wait a day or two? If yes, the top three steps are open to you and they cost a fraction of the bottom two. Call 211, ask your employer about an advance, and check whether a credit union near you offers Payday Alternative Loans. If you have a steady direct deposit, a paycheck-advance app like EarnIn or MoneyLion will usually give you $100–$500 for free with standard delivery.

If you can't wait, or you've already tried those and been told no, you're choosing among installment lenders — and the choice there comes down to three things.

The total you'll repay. Not the payment. Every card on this page shows a dollar example; compare those, not the APR ranges. On a $500 loan the gap between the cheapest and most expensive installment lender here is over $1,500.

Whether you qualify. OppLoans wants W-2 income and direct deposit. Rise lends in 30 states. NetCredit starts at $1,000. Possible Finance caps first loans at $500. The house brands — CashOtter, CashLantern, MeteorLoans and CreditCube — have no minimum score and accept most regular income, which is why they approve people the others won't, and also why they cost more.

What happens next time. OppLoans, NetCredit, Rise and Possible report your payments to the credit bureaus, so a loan you repay on time makes the next one cheaper. CreditCube doesn't say whether it reports, but it does offer loyalty pricing: returning customers can borrow more at lower rates.

Before you apply

Check the state line on the card — several of these lenders don't operate in Georgia, New York, Pennsylvania and a handful of other states, and applying somewhere you're not eligible wastes a hard pull. Read the representative example. Run the payment through our affordability check. And if the total makes you wince, scroll back up: that's what the ladder is for.

Step 3: Paycheck advance apps

Step 3 · Paycheck advance appsLower-cost option

EarnIn

Access pay you've already earned, with no mandatory fees.

Score 8.0

Free if you can wait 1–2 days; no mandatory fees.

Still an option for

Steady paycheck with a consistent schedule and a linked checking account. Not available in Connecticut.

Amount

$0–$150

Term

Repaid on your next payday

Speed

Free in 1–2 business days; about 30 minutes with Lightning Speed ($3.99–$5.99).

One honest con

Tips and speed fees add up if you use it every pay period; limits vary by user.

See rates at EarnIn →Read our review

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

Availability varies by state.

Last verified September 24, 2026

No mandatory fees. Optional tips. Lightning Speed $3.99 (under $75) to $5.99 (over $75). Up to $150 per day and $1,000 per pay period.

Best for

W-2 and hourly workers who need up to $150/day, $1,000+/pay period, and can wait a day or two.

See the full cost and what you need ↓

Cash Out

$0–$150

Term: Repaid on your next payday
Payments: Auto-debit on payday

No mandatory fees. Optional tips. Lightning Speed $3.99 (under $75) to $5.99 (over $75). Up to $150 per day and $1,000 per pay period.

What you need: Linked checking account, verifiable work/pay schedule, direct-deposit history.

Not for: Gig workers with irregular pay; anyone who needs more than their earned wages so far.

Step 3 · Paycheck advance appsLower-cost option

MoneyLion Instacash

Advances up to $500 — or $1,000 with a RoarMoney direct deposit — with no mandatory fees.

Score 6.9

No mandatory fees; up to $1,000 with direct deposit.

Still an option for

Checking account 60+ days old with three recurring direct deposits from the same employer.

Amount

$25–$1,000

Term

Repaid on your next payday

Speed

Free in 1–5 business days; instant (Turbo) for $0.49–$8.99.

One honest con

Turbo fees and tip prompts; standard delivery can take up to 5 business days to an outside bank.

See rates at MoneyLion Instacash →Read our review

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

Availability varies by state.

Last verified September 24, 2026

No mandatory fees. Turbo delivery $0.49–$8.99. Up to $500 standard, up to $1,000 with RoarMoney direct deposit.

Best for

Salaried workers who can move direct deposit to RoarMoney for a higher limit.

See the full cost and what you need ↓

Instacash

$25–$1,000

Term: Repaid on your next payday
Payments: Auto-debit on payday (defer up to 2 weeks once per cycle)

No mandatory fees. Turbo delivery $0.49–$8.99. Up to $500 standard, up to $1,000 with RoarMoney direct deposit.

What you need: 18+, US resident, photo ID, checking account 60+ days old, 3+ recurring direct deposits from one employer.

Not for: People with irregular deposits; anyone who needs money today without paying a Turbo fee.

Step 3 · Paycheck advance apps

Dave ExtraCash

Up to $500 before payday with a flat percentage fee.

Score 6.8

Predictable flat fee; up to $500.

Still an option for

Bank account active 60+ days with recurring deposits.

Amount

$5–$500

Term

Repaid on your next payday

Speed

Free in 2–3 business days; instant with a fee.

One honest con

Membership of up to $5/month plus a 5% fee per advance ($5 min, $15 max), plus 1.5% for express to an outside bank.

See rates at Dave ExtraCash →Read our review

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

Availability varies by state.

Last verified September 24, 2026

Membership up to $5/month + 5% per advance ($5 min, $15 max) + 1.5% express fee to an outside bank; free to a Dave checking account or by ACH in 2–3 days.

Best for

People who need a predictable, one-time fee and up to $500.

See the full cost and what you need ↓

ExtraCash

$5–$500

Term: Repaid on your next payday
Payments: Auto-debit on payday

Membership up to $5/month + 5% per advance ($5 min, $15 max) + 1.5% express fee to an outside bank; free to a Dave checking account or by ACH in 2–3 days.

What you need: Linked account active 60+ days, recurring deposits, 18+, US address, SSN.

Not for: Anyone who will use it every month — the 5% fee compounds quickly.

Step 3 · Paycheck advance apps

Brigit

Cash advances up to $500 bundled with budgeting and credit-builder tools.

Score 6.7

Subscription required; strongest budgeting tools.

Still an option for

Bank account active 60+ days, positive balance, three recurring deposits from one source.

Amount

$50–$500

Term

Repaid on your next payday

Speed

Free in 2–3 business days; within 20 minutes for $0.99–$5.99.

One honest con

Requires a paid plan ($8.99 Plus or $15.99 Premium per month); Maine residents capped at $250.

See rates at Brigit →Read our review

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

Availability varies by state.

Last verified September 24, 2026

Requires Plus ($8.99/mo) or Premium ($15.99/mo). Express delivery $0.99–$5.99. Maine max $250.

Best for

People who will actually use the budgeting tools and want advances without tips.

See the full cost and what you need ↓

Instant Cash

$50–$500

Term: Repaid on your next payday
Payments: Auto-debit on payday

Requires Plus ($8.99/mo) or Premium ($15.99/mo). Express delivery $0.99–$5.99. Maine max $250.

What you need: Account active 60+ days, balance above $0, 3+ recurring deposits from the same source, Brigit score 40+.

Not for: Anyone who just needs a one-off advance — the subscription makes a single $75 advance expensive.

Step 5: Subprime installment loans

Step 5 · Subprime installment loans

Possible Finance

Small loans repaid in four installments over eight weeks, reported to two credit bureaus.

Score 7.6

Four installments over 8 weeks, reported to two bureaus.

Still an option for

No minimum credit score. Needs a bank account and about $20,000/yr income.

Amount

$50–$500

Term

8 weeks (4 installments)

Cost

$29 a time

Speed

Same day to a debit card; ACH takes 1–2 more days.

One honest con

A flat $15–$25 per $100 fee works out to 98%–163% APR because the term is only eight weeks.

See rates at Possible Finance →Read our review

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

Availability varies by state.

Last verified September 24, 2026

APR: 98%–163%

Representative example: borrow $100 → 4 payments of about $29 → $115 total repaid (98% APR)

Expensive credit — 163% APR. Try every cheaper step above before you use this.

Best for

People who need $50–$500 fast, want installments instead of a lump sum, and want the payments to build credit.

See the full cost and what you need ↓

New customers

$50–$500

Term: 8 weeks (4 installments)
APR: 98%–163% APR
Payments: 4 installments, biweekly

What it costs: borrow $100 → 4 payments of about $29 → $115 total repaid (98% APR)Lender's published example: $100 with a $15 fee = four payments of $28.75. With a $25 fee: four payments of $31.25 (163% APR).

Flat fee of $15–$25 per $100 borrowed

Repeat customers

$50–$1,000

Term: 8 weeks (4 installments)
APR: 98%–163% APR
Payments: 4 installments, biweekly

Flat fee of $15–$25 per $100 borrowed

What you need: $20,000/yr income, SSN, proof of residency and income, US bank account, email.

Not for: Residents of the 16 states + DC where Possible doesn't lend; anyone who can get an app advance for free.

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

Step 5 · Subprime installment loans

NetCredit

Larger, longer installment loans with the lowest APR floor in this group.

Score 6.9

Lowest APR floor for larger amounts ($1,000+).

Still an option for

No minimum credit score. Needs a personal checking account and verifiable income.

Amount

$1,000–$10,000

Term

6–60 months

Cost

≈ $1,639 over 6–60 months

Speed

1–3 business days after signing; same-day possible before 7 a.m. CT weekdays.

One honest con

Origination fees in some states; the $1,000 minimum is high for an emergency shortfall.

See rates at NetCredit →Read our review

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

Availability varies by state.

Last verified September 24, 2026

APR: 34%–155%

Representative estimate: ≈ $1,639 over 6–60 months

Expensive credit — 155% APR. Try every cheaper step above before you use this.

Best for

People who need $1,000+ and can qualify for the lower end of 34%–155% APR over 6–60 months.

See the full cost and what you need ↓

Installment loan

$1,000–$10,000

Term: 6–60 months
APR: 34%–155% APR
Payments: Monthly

Origination fee in some states, deducted from proceeds; no prepayment fee Comparison math uses a representative 24-month term; actual terms are 6–60 months.

What you need: 18+ (19 in AL/DE, 21 in MS), personal checking account, email, verifiable income.

Not for: Anyone needing less than $1,000; residents of the 13 states NetCredit doesn't serve.

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

Step 5 · Subprime installment loans

OppLoans

Larger installment loans with monthly payments and credit-bureau reporting.

Score 6.9

Monthly payments, bureau reporting, needs W-2 income.

Still an option for

No minimum credit score, but you need $1,500/month income with direct deposit and 30+ days on a W-2 job.

Amount

$500–$5,000

Term

9–18 months

Cost

$3,551

Speed

Same or next business day if approved by 12 p.m. CT.

One honest con

Still very expensive — 129%–195% APR — and not available in 11 states/DC.

See rates at OppLoans →Read our review

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

Availability varies by state.

Last verified September 24, 2026

APR: 129%–195%

Representative example: borrow $2,000 → $3,551 total repaid (160% APR)

Expensive credit — 195% APR. Try every cheaper step above before you use this.

Best for

People who need $1,000–$5,000 over 9–18 months and want on-time payments reported to the bureaus.

See the full cost and what you need ↓

Installment loan

$500–$5,000

Term: 9–18 months
APR: 129%–195% APR
Payments: Monthly (due date adjustable)

What it costs: borrow $2,000 → $3,551 total repaid (160% APR)Lender's published example: $2,000 at 160% APR over 18 months costs $1,551 in interest.

No origination fee. In some states the loan is made by a partner bank (FinWise Bank, First Electronic Bank or Quill Bank, formerly Capital Community Bank). Comparison math uses a representative 12-month term; actual terms are 9–18 months.

What you need: 18+, US citizen with SSN, $18,000/yr gross income (can include SS, disability, child support), bank account with direct deposit, W-2 employment 30+ days.

Not for: Gig workers without W-2 income; anyone needing under $500.

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

Step 5 · Subprime installment loans

Rise Credit

Installment loans that can get cheaper as you repay on time.

Score 6.8

Rates can fall as you repay; 30 states only.

Still an option for

No minimum credit score. Needs $1,000/month after-tax income and a checking account.

Amount

$500–$5,000

Term

7 months – 3 years

Cost

$10,506

Speed

Next business day if accepted by 6 p.m. ET.

One honest con

APR runs 59.80%–299%; origination fee up to 5% in DE, ID, MO, UT, WI.

See rates at Rise Credit →Read our review

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

Availability varies by state.

Last verified September 24, 2026

APR: 59.8%–299%

Representative example: borrow $3,000 → $10,506 total repaid (199% APR)

Expensive credit — 299% APR. Try every cheaper step above before you use this.

Best for

Borrowers in one of Rise's 30 states who plan to repay on time and refinance at a lower rate.

See the full cost and what you need ↓

Installment loan

$500–$5,000

Term: 7 months – 3 years
APR: 59.8%–299% APR
Payments: Biweekly installments

What it costs: borrow $3,000 → $10,506 total repaid (199% APR)Lender's published example: $3,000 at 199% APR over 2 years costs about $7,506 in interest.

Origination fee up to 5% in DE, ID, MO, UT, WI Comparison math uses a representative 18-month term; actual terms are 7 months – 3 years.

What you need: 18+, checking account, email, SSN, job or regular income of $1,000/month ($12,000/yr) after tax.

Not for: Residents of the 20 states + DC where Rise doesn't lend; anyone who can get a sub-36% option.

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

Step 5 · Subprime installment loansFeatured

CashOtter

Shows the full payment schedule and total cost before you apply.

Referral service — connects you to an affiliated tribal lender; the lender is named in your loan agreement.

Score 6.7

Full schedule shown before you apply; first loan up to $500.

Still an option for

No minimum credit score. Needs regular income and a checking account.

Amount

$200–$500

Term

224 days (about 7 months)

Cost

$152 a time

Speed

Decision in minutes; funds typically next business day.

One honest con

Expensive credit: a first loan costs roughly $2,430 to repay on $500 over 224 days.

See rates at CashOtter →Read our review

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

Availability varies by state.

Last verified September 24, 2026

APR: 259.94%–779.97%

Representative example: 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.

Best for

First-time borrowers who want to see exactly what a $200–$500 loan will cost before they commit.

See the full cost and what you need ↓

First loan

$200–$500

Term: 224 days (about 7 months)
APR: 779.97% APR
Payments: Biweekly installments

What it costs: borrow $500 → 16 payments of about $152 → $2,437 total repaid (779.97% APR)Illustrative: 16 equal biweekly payments at the published APR. The lender's Rates & Terms page governs.

Returning customers

$501–$5,000

Term: 224 days (about 7 months)
APR: 259.94%–779.97% APR
Payments: Biweekly installments

What it costs: borrow $1,000 → 16 payments of about $128 → $2,045 total repaid (259.94% APR)Illustrative, at the lowest published returning-customer APR.

Loyalty program lowers rates with payment history

What you need: Age 18+, US resident in an eligible state, regular income, active checking account, valid ID and SSN.

Not for: Anyone who qualifies for a cheaper step on the cost ladder, or who cannot afford ~$150 every two weeks.

Referral service — connects you to an affiliated tribal lender; the lender is named in your loan agreement.

CashOtter 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).

Step 5 · Subprime installment loansFeatured

CreditCube

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

Score 5.9

Tribal lender with loyalty pricing for repeat borrowers.

Still an option for

No minimum credit score. Needs regular income and an active checking account.

Amount

$100–$500

Term

224 days (about 7 months)

Cost

$152 a time

Speed

Results within seconds of applying; funds next business day, or within about 30 minutes with Real-Time Funding where supported.

One honest con

This is expensive credit. A first loan is capped at $500 and the APR is in the hundreds of percent.

See rates at CreditCube →Read our review

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

Availability varies by state.

Last verified September 24, 2026

APR: 259.94%–779.97%

Representative example: 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.

Best for

People turned down by banks and mainstream online lenders who can afford a biweekly payment and want a lender that rewards repayment history.

See the full cost and what you need ↓

First loan

$100–$500

Term: 224 days (about 7 months)
APR: 779.97% APR
Payments: Biweekly installments

What it costs: borrow $500 → 16 payments of about $152 → $2,437 total repaid (779.97% APR)Illustrative: 16 equal biweekly payments at the published APR. The lender's Rates & Terms page governs.

Returning customers

$501–$5,000

Term: 224 days (about 7 months)
APR: 259.94%–779.97% APR
Payments: Biweekly installments

What it costs: borrow $1,000 → 16 payments of about $128 → $2,045 total repaid (259.94% APR)Illustrative, at the lowest published returning-customer APR.

Loyalty tiers by points: Silver up to $1,000 (16% fee discount), Gold $1,500 (33%), Platinum $2,000 (50%), VIP $5,000 (66%).

What you need: Age 18+, US resident in an eligible state, regular income, active checking account, valid ID and SSN.

Not for: Anyone who can get a credit-union PAL, a paycheck-advance app, or an employer advance first — those cost a small fraction of this.

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

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 →

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

Step 5 · Subprime installment loans

Big Picture Loans

Tribal installment loans of $200–$3,000 with instant funding when available.

Score 6.2

Instant funding when available; among the most expensive here.

Still an option for

No published minimum score. Needs regular income and a bank account.

Amount

$200–$3,000

Term

12 months

Cost

$159 a time

Speed

Real-time funding attempted (including weekends); otherwise next business day by ACH.

One honest con

Very expensive: 395%–699% APR for new customers, 160%–699% returning. 12-month term multiplies the cost.

See rates at Big Picture Loans →Read our review

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

Availability varies by state.

Last verified September 24, 2026

APR: 160%–699%

Representative example: borrow $1,000 → 26 payments of about $159 → $4,130 total repaid (395% APR)

Expensive credit — 699% APR. Try every cheaper step above before you use this.

Best for

People who need money the same day and have been refused by state-licensed lenders.

See the full cost and what you need ↓

New customers

$200–$3,000

Term: 12 months
APR: 395%–699% APR
Payments: Biweekly installments

What it costs: borrow $1,000 → 26 payments of about $159 → $4,130 total repaid (395% APR)Lender's published example: 25 payments of $158.88 and a final payment of $157.92.

Returning customers

$200–$3,000

Term: 12 months
APR: 160%–699% APR
Payments: Biweekly installments

What you need: Regular income meeting the lender's minimum, bank account, valid ID and SSN.

Not for: Anyone who qualifies for a cheaper step; anyone uncomfortable with tribal-jurisdiction dispute rules.

Tribal lender, owned by Tribal Economic Development Holdings, LLC — Lac Vieux Desert Band of Lake Superior Chippewa Indians. It operates under tribal law, so state rate caps and some state protections may not apply. What tribal lending means for you →

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

Side by side

Compare amounts, timing, costs and availability in one place.

Lender	Amounts	Term	APR or fees	Speed	Score	Available in your state
EarnIn	$0–$150	Repaid on your next payday	No mandatory fees. Optional tips. Lightning Speed $3.99 (under $75) to $5.99 (over $75). Up to $150 per day and $1,000 per pay period.	Free in 1–2 business days; about 30 minutes with Lightning Speed ($3.99–$5.99).	8.0	Varies
MoneyLion Instacash	$25–$1,000	Repaid on your next payday	No mandatory fees. Turbo delivery $0.49–$8.99. Up to $500 standard, up to $1,000 with RoarMoney direct deposit.	Free in 1–5 business days; instant (Turbo) for $0.49–$8.99.	6.9	Varies
Dave ExtraCash	$5–$500	Repaid on your next payday	Membership up to $5/month + 5% per advance ($5 min, $15 max) + 1.5% express fee to an outside bank; free to a Dave checking account or by ACH in 2–3 days.	Free in 2–3 business days; instant with a fee.	6.8	Varies
Brigit	$50–$500	Repaid on your next payday	Requires Plus ($8.99/mo) or Premium ($15.99/mo). Express delivery $0.99–$5.99. Maine max $250.	Free in 2–3 business days; within 20 minutes for $0.99–$5.99.	6.7	Varies
Possible Finance	$50–$1,000	8 weeks (4 installments)	98%–163% APR	Same day to a debit card; ACH takes 1–2 more days.	7.6	Varies
NetCredit	$1,000–$10,000	6–60 months	34%–155% APR	1–3 business days after signing; same-day possible before 7 a.m. CT weekdays.	6.9	Varies
OppLoans	$500–$5,000	9–18 months	129%–195% APR	Same or next business day if approved by 12 p.m. CT.	6.9	Varies
Rise Credit	$500–$5,000	7 months – 3 years	59.8%–299% APR	Next business day if accepted by 6 p.m. ET.	6.8	Varies
CashOtter	$200–$5,000	224 days (about 7 months)	259.94%–779.97% APR	Decision in minutes; funds typically next business day.	6.7	Varies
CreditCube	$100–$5,000	224 days (about 7 months)	259.94%–779.97% APR	Results within seconds of applying; funds next business day, or within about 30 minutes with Real-Time Funding where supported.	5.9	Varies
Big Picture Loans	$200–$3,000	12 months	160%–699% APR	Real-time funding attempted (including weekends); otherwise next business day by ACH.	6.2	Varies

How we scored these →

Next on the ladder

Compare nearby steps

Move up if you can qualify for a cheaper option; move down only if you need to.

Next: Secured & bad-credit cards →Next: Payday loans →

Questions people ask

Plain answers to the questions readers ask most often.

Can I really get a loan with a credit score under 600?

Yes. Most of the installment lenders on this page don't set a minimum score at all — they look at your income and your bank account instead. The trade-off is price: the lower your score, the higher the APR you'll be offered, which is why we list the cheaper steps first.

What's the cheapest way to borrow $500 with bad credit?

Usually a credit union Payday Alternative Loan (PAL), capped by law at 28% APR — about $42 in total cost on $500 over six months. If you can't join a credit union today, a paycheck-advance app like EarnIn or MoneyLion is often free if you can wait a day or two for the money.

Why do you list expensive lenders at all?

Because for some readers the cheaper steps aren't open: no steady direct deposit for an app, no credit union nearby, already refused by the sub-36% lenders. For that reader, knowing the honest cost of an installment loan — and how it compares to a payday loan — is better than a dead end.

Is a 780% APR loan ever a reasonable choice?

Only if every cheaper option has failed, the shortfall is a one-time emergency, and you can afford every scheduled payment. Our dollar examples show the full cost so you can decide with your eyes open. If you'd be borrowing to cover a recurring monthly gap, a loan will make it worse — start with the free help section instead.

Do these lenders check my credit?

Most run a soft pull or use alternative credit bureaus, so applying won't usually hurt your FICO score. Some run a hard pull. Each review says which. Be careful of anyone who advertises 'no credit check' as a selling point — it usually means the price is very high.

How do you make money from this page?

Some lenders pay us when you apply through our links, and four of the installment lenders here are operated by our parent company. That never changes the order of the cost ladder or a lender's score. Our How we make money page explains everything.

Keep comparing

Three useful next stops before you choose a lender.

GuideTribal loans explained Free help211 and emergency assistance CalculatorLoan-cost calculator

Sources

Figures were checked against these sources on September 24, 2026.

12 CFR 701.21(c)(7) — Payday Alternative Loans (eCFR) ↗ ecfr.gov
CFPB — What are the costs and fees for a payday loan? ↗ consumerfinance.gov
CFPB — Military Lending Act ↗ consumerfinance.gov

Last verified September 24, 2026