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Low Interest Personal Loans

Personal loans are availed on a very frequent basis in the USA by the common man as it is a very convenient, safe, and quick way of getting a short-term loan. Most of the short-term personal loans are payday loans in which the borrower will have to repay the loan amount as a whole on the next payday. This is possible only when the loan involves taking a small amount of cash. However, if you need a bigger amount of cash as a loan, then you will have to opt for an installment loan, which can be repaid as smaller manageable amounts over a scheduled time period. Although most of them are low interest personal loans, there are a few personal loans which come with high-interest rates.

Low interest personal loans

Impact of Credit Scores on Interest Rates

A credit score is a checkpoint of a person’s financial credibility and it shows how likely the person will pay his debts and make on-time payments. If you are a defaulter or have made a late payment then there will be a fall in the credit score. If you pay all your bills and credit payments without any delay, then the credit score will improve.

A credit score of 720 – 850 is considered to be a good to an excellent range of score, whereas the scores those are below 450 or 500 are said to be low or poor credit scores. If your credit scores fall in the ‘good score’ range, then there will not any difficulties or issues while getting financial aids in the form of loans, credit cards, etc. Most good credit score borrowers are eligible for low interest personal loans.However, if you have a low credit score, then you are probably going to have a difficult time if you need a loan.Even if you get one approved, it will definitely not be low interest personal loans, but a loan with the interest rate on the slightly higher side.

Almost 60% of the US residents have a credit score that is not considered to be a very good number. When people with such low credit scores need some immediate cash, their loan applications are rejected by most conventional banks as they are categorized as the high-risk customers. Although there could be unavoidable and genuine reasons for having missed a payment date, the bank does not consider the reasons and will only look at the numbers.

However, it will not be the same with the non-banking finance creditors. There are many lenders who will provide you with an essential personal loan at considerable APR without considering your credit scores. But, you have to be vigilant and keep an eye on which lender you are choosing for a loan and what are the repayment terms they are imposing on your loan amount.

Why Choose Us?

At, we will make sure that you get connected with the most suitable and reliable lenders who are capable of providing you with the most appropriate loan type that suits your preferences and needs. Our lenders provide low interest personal loans when compared to the other lenders in the market. You can have an exclusive talk directly with the lender and explain your limitations and requirements and chalk out a reasonable loan repayment schedule.


Running short of cash for the month? Easily available small cash amounts on a short term basis. Apply now!

Conventional & safe. Access your installment loan & pay back at your own pace. Apply now!

Unlock the financial power of your car. Use it as collateral for the cash you need. Apply now!

Why Choose Instant Credit Loans?


Affordable Interest Rates

We avoid penalizing interest rates and offer rates that are fair & reasonable.
loans up to

Screened Lenders

We offer loans from screened & verified vendors to ensure your safety & ease of repayment.
lower apr

High Approval Rates

We understand your need for quick & assured loan approvals & strive towards higher loan approval rates.


The offered loan amount ranges from $100 up to $10,000 for personal loans and from $5000 up to $750,000 for business loans.

The full form of APR is Annual Percentage Rate. In the banking & financial industry, this denotes the rate at which you can borrow a particular loan. Usually, APR is high for borrowers with a bad credit history or the borrower is borrowing for a long period of time. APR is also dependent upon individual lenders & the rate at which they prefer to lend.

To be eligible for the loan, you need to:
1) Be at least 18 years old
2) A citizen of the United States of America
3) Have an active bank account
4) Show proof of regular income
5) Have a valid email address
6) Be a resident of a state which allows payday loans at the offered rates

Depending on the lender, you can mostly pay by an electronic fund transfer to your lender’s bank account. For certain lenders, you might be able to pay via your debit card. Please ask your lender for details.

Many lenders prefer an early payback given that most of these loans are of small amounts. There is no foreclosure penalty charged, as done by banks & financial institutions.

Instant Credit Loans is known to provide payday loans, installment loans, title loans and line of credit at affordable rates. Our lenders are carefully screened to protect your interests. Backed by an easy to use platform, we pride ourselves in some of the lowest annual percentage rates (APRs) in the industry.

APR Disclosure: is a third-party aggregator & not a direct lender and therefore will not have say over the annual percentage rate (APR) you will be offered. Prior to loan application, we will provide a representative APR based on data aggregated from multiple lenders. Our APR usually ranges from 5.99% to 35.99% depending on a host of factors. APRs increase proportionately to the repayment terms which is anywhere between 61 days to 180 months. Your actual rate depends on your loan amount, credit score, loan term and credit usage & history. It is agreed upon between you and your lender.

Representative APR Example:

$1,000 loan over a 12-month term would have a total payback amount of $1,134.72, APR 29.82%. Loan amount doesn’t need to be paid at once and can be done in instalments.