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Installment Loans When You Need Cash Fast

What are your options when you need cash quickly, but your credit score is below average? One of the most convenient ways to borrow is through online installment loans for bad credit available from PayDaySay. You’re guaranteed a quick prequalification process and, if approved, funding in as little as one business day. To help meet the financial challenges you face, submit the short application form for an installment loan at our website.

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APR 59% - 199%
with AutoPay
Loan Term 9 - 24
Max Loan $4,000
APR 5.99% - 35.99%
with AutoPay
Loan Term 3 - 72
Max Loan $10,000
APR 5.99% - 35.99%
with AutoPay
Loan Term 3 - 70
Max Loan $10,000

Online Installment Loans For Bad Credit Are Readily Available

The year 2020 certainly took its toll on the physical and economic health of our society. The result has left millions of Americans without emergency savings. In fact, as of September 2020:

"61% of Americans now say their emergency savings won’t last through the end of the year or that they have already run out of savings."

The truth is that many folks are short of the cash they need to meet their immediate obligations. Yet the U.S. economy is expected to rebound in 2021. Installment loans are a reliable way to solve the need for financial help until the situation improves.

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Even if you have bad credit, we can connect you to direct lenders who will let you borrow with no credit check. That is, our lending partners can provide personal loans up to $5,000 without a hard inquiry of your credit history. Rather, lenders look at income, bank information, and a range of other criteria to qualify applicants for loans. Because our service is online, you don’t have to ask, "Is the lender near me?" We are as close as your computer and ready to immediately process your loan application.

3 Steps to Request Funds Online


Fill out the Form

  • short and easy form
  • safe & secure

See If You're Approved

  • real-time request review
  • large network of lenders

Check Your Account

  • convenient borrowing option
  • money into bank account

How Do Consumers Obtain Monthly Installment Loans?

The online lending market has flourished in the last 10 years, but it's not always easy for consumers with bad credit to find a source of long-term personal loans. Thankfully, has created an innovative online service that can get you instant approval for your loan request.

Our service is so effective because we work with carefully chosen direct lending partners. We are a loan-connecting service rather than direct lenders, which means we can direct you to the best lender for your needs.

Our lenders make the lending decisions, so we don’t claim to provide 24-hour loans. However, our lending partners are very experienced working with borrowers of every credit type and can respond to your money needs on a 24/7 basis.

Certainly, there is nothing unusual in needing installment loans no credit check in the current environment, and we are happy to provide you the service you need without judgement or embarrassment.

Our job at PayDaySay is to help you apply for installment loan that we attempt to match to one of our many lending partners.

We find you the best partner so that you’d don’t have to expend the time and money to do it yourself.

In addition, we provide free professional help and educational resources that helps each customer navigate through our transparent lending procedure.

Our promise is to provide an unbiased online platform that will connect you to our trustworthy lending partners. We want you to secure the money you want in the timeframe you need.

What distinguishes our work is that we don’t let your bad credit rating prevent you from applying for an installment loan. We want you to feel welcome rather than fear rejection, and you can count on our help even if you’ve been turned down in the past.

You see, our direct online lenders look beyond the credit scores that control the loan decisions made by the big traditional lenders that are notoriously risk-averse.

Instead, our lending partners evaluate your employment and payment history to underwrite your loan request. By fitting your monthly payments to your budget, our lenders can help you arrange loan terms that you can live with.

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Why Do You Need Installment Loan?

Installment loans can meet a variety of needs and are not just for emergency expenses. Here are some compelling reasons to apply for a personal installment loan:

loan in emergency
  • Consolidating your debt: You can use the proceeds from a personal loan to pay off your credit card balances and other debts you may be carrying. By consolidating your debt, you only have to schedule one payment per month that is more affordable than all the other payments you’re currently making.
  • Life events: Getting married? Going on a retirement cruise? Scheduling your child’s confirmation or bar-mitzvah? An installment loan lets you finance important life events by stretching the payments over many months.
  • Home costs: You can use the loan proceeds to move to and/or remodel your home. Because it’s an installment loan, you don’t have to pledge any of your home’s equity to borrow the money. You can use the money to fix up or expand your home, purchase new appliances, even finance a car you may newly need.
  • Alternative to short term loans: A payday or short-term loan is not always the best solution to money problems. If you need to borrow a larger amount, an installment loan can be shaped to yield affordable monthly payments that fit into your budget.

Will I Work with a Lender Near Me?

The Internet has permanently transformed the way we think about time and space. In today’s networked world, everybody is but a few keystrokes away from everyone else, and the word “local” has lost its significance.

PayDaySay is as close as your keyboard at home, work, or on the go. You don’t have to travel to a local office or make an appointment during office hours. Instead, you can fill out a loan request form 24/7 online, without worrying about security concerns arising from third-parties.

The process is clear and simple:

  • Complete the loan request form: You can fill out the form via a secure web connection that protects and safeguards your information. It only takes a few minutes to enter your employment, financial, and personal data.
  • Get connected with a direct lender: We will transfer you to the network partner that is the best fit for your requirements. You will receive at least one offer even if you have poor credit.
  • Get your loan: The direct lender may collect additional information before giving you a quick decision on your application. If approved, you may receive your funding into your bank account within as little as one business day.

You and your lender will agree on all aspects of the loan, including loan amount, interest rate, monthly payments, and loan term. By paying your loan on time each month, you have the opportunity to rebuild credit. And because it’s online, it doesn’t matter where you live – you’re only an Internet connection away from prompt service.

Everyone Welcome, from Postal Employees to the Self-Employed

Our company welcomes applicants with all types of jobs, even if your credit is bad. We connect you to lenders who can offer you installment payments you can afford. By stretching out your payments over months or years, you can borrow the money you need for big-ticket purchases, sudden emergencies, and important life events. Your income helps determine the amount you can borrow despite a low credit score. Let us help you overcome your money problems with 24/7 access to online direct lenders that will work hard to fund your request.

Frequently Asked Questions

What is an installment loan example?

In this example, you borrow $2,000 at an interest rate of 59% for 24 months. It turns out that your monthly payment will be $143.77, and you’ll pay $1450.46 in interest. Naturally, the terms of the loan will vary with the lender and the amount financed. All the lenders on the PayDaySay network welcome borrowers that have poor or thin credit.

What is the best online installment loan?

The best online loans with monthly payments is one that is large enough to meet your needs yet requires a payment you can afford. And critically, the lender must say “yes” when others say “no.” The process should be fast, and your loan money should be available in as little as 24 hours. We work with a network of the best lenders offering affordable online installment loans.

Can you go to jail for not paying an installment loan?

Not unless you commit criminal fraud. If you have trouble repaying your loan, you may be able to negotiate easier terms with your lender. It is better to work out new arrangements with your lender rather than face collection or bankruptcy, both of which can devastate your credit score.

Can I get an installment loan with bad credit?

Yes, bad credit is not necessarily an obstacle for getting an installment loan. That’s because the non-traditional lenders on the network don’t perform the conventional hard inquiry of your credit reports. Instead, factors such as your bank information, income, and other data. Naturally, interest rates are higher for consumers with bad credit, but a long-term installment loan can result in affordable monthly payments.

Kathryn Pomroy
Eric Bank

Eric Bank is an experienced professional writer who has been creating content for more than 35 years. He is a personal finance expert with a talent for explaining even the most complicated financial processes and terms to ordinary readers. You may recognize him from the many articles he’s written on a number of popular websites. Eric has an M.S. in finance from DePaul University and an MBA from New York University.