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Personal Information

Requested Amount

Email*

First Name*

Last Name *

Date Of Birth *

Primary Phone*

Provide a number where you can be reached by a customer service representative in the event they have a question about your loan request. This will ensure that you get your cash ASAP in the event there is an error on your form.

Secondary Phone*

Best time to Call*

Street Address

Please provide your permanent address. P.O. Boxes are NOT accepted as addresses.

City*

State *

Zipcode*

Employment Information

Months at Address*

Driver license*

Drivers license number*

Your driver's license number (or state I.D.) is used to verify your identity. In the event you do not have either of these numbers, you can also provide the number from your passport or birth certificate.

Are you active military person?*

Are You a HomeOwner?*

Income Type*

Gross Monthly Income*

Employer*

This information is used to verify you are employed. You are not disqualified if you are currently unemployed. If you are retired or on disability, just enter that information in this field.

Job title*

Months Employed*

How Often Are You Paid?

PayDate1*

PayDate2*

Financial Information

ABA/Routing Number*

Bank Name*

Since money will be electronically deposited into your account, this information is required to complete the transfer. Make sure the information you provide is accurate in order to ensure you receive your funds ASAP.

Account Number*

Type of Account*

Direct Deposit

Debit Card

Months with Bank Account

Social Security Number

Lenders use your social security number to verify your identity. It is vital that you enter your valid social security number. Lenders will reject those whose information they can not verify.

Payday Loans Bad Credit

Payday loans are so much like antidotes. Take them in the right sense when you really need it in the right amounts and it will cure you of your difficulties. Take them when you don’t really need it or take it in excess than you need, and you will find yourself caught in annoying situations only to make the situations worse for you. The more you get addicted to it and keep taking it again and again and you will find yourself in a debt trap.

Payday loans are undoubtedly the saviors in many unknown ways. Unfortunately, there are many states in the US that do not allow the practice of payday loans. However, for the people living in the states where payday loans are practiced, it is a boon during the dark shady days. The payday loans are easy to avail and have a quick approval time. And the best part is that many lenders provide the ‘Payday Loans bad credit’ facility too.

How Does a Payday Loan Work?

A Payday loan is a small-sized loan that is availed from a private lender or financing company. It is also called as ‘salary loan’, ‘cash advance loan’, ‘small-dollar loan’, etc. It is usually repaid on the next payday of the borrower or when the paycheck arrives. The taken loan amount is repaid as a lump sum amount. So, it is better if a payday loan is availed for a small amount only.It is important to understand that the borrower should loan an amount which is under the considerable limits of his salary. This is because, once the borrower repays the payday loan as a whole after the paycheck comes, he should be left with enough liquidity in his account to manage the other expenses until the next payday.

Availing a payday loan is easy if you can afford slightly higher interest rates. Most lenders also provide payday loans bad credit amenity which gives a second chance to the people with a bad credit score to avail an emergency loan. Apart from providing the luxury of payday loans bad credit offer, the lenders will also provide the loan on a quick basis. They will conduct a meager verification procedure and will approve the loans in a few hours or maximum by the next business day. Also, many lenders provide online options to make it safer, easier, and convenient.

Stay Alert

Although everything about payday loans is known, it is still important to stay alert and not be presumptuous about knowing everything and that all the work is going according to your preferences. There are many scammers in the market who look for the minutest chance to overpower your emotions during emergencies and scam you into paying very high-interest rates by swaying you towards your payday loans bad credit disadvantage. So, it is essential to look for a reliable lender

At instantcreditloansus.com, you will find only the state-licensed lenders who are assured to comply with your requirements and restraints. They will make sure that you will be the king for his business in spite of your limitations. Also, our lenders will keep the whole loan process transparent and there will not be any hidden fees or advance payments like most scammers do.

So, stay vigilant and get your payday loans from a dependable creditor and fulfill your immediate financial needs.

Loans

Payday Loans

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

Installment Loans

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

Title Loans

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.

Screened Lenders

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

High Approval Rates

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

FAQ'S

01. What is the loan amount that I can borrow?

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

02. What is meant by APR?

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.

03. What is the eligibility criteria to apply for a loan?

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

04. How do I pay off my loan?

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.

05. Is there a penalty for foreclosure? Can I pay back early?

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.

06. Why should I choose Instant Credit Loans US over other platforms?

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:

Instantcreditloansus.com 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.

Disclaimer:

Instantcreditloansus.com (website) cannot be deemed as a solicitation or offer to lend. This website provides only a service and is not a representative, agent or broker of any lender. It does not charge you or endorse for any loan product. The operators of the website too, are not lenders and do not offer loans of any or nor do they provide credit decisions. The information collected by the website is for the sole purpose of forwarding to our partners on our lender network. You in no circumstances are under an obligation to use the services of this website to either neither contact, initiate nor apply for a loan product or credit with a lender or any service provider. The offered loan amount will range for personal loans from $100 up to $10,000 and for business loans, from $5000 up to $750,000. It should be noted that not all lenders will provide the maximum loan amount and the final amount will depend on many factors. Do note that providing your personal information on this website will not guarantee you a credit or loan product approval. The speed of cash transfer will vary between lenders and will also depend on your bank or financial institution. Not all services and loans by lenders are available in all the states of USA. Some lenders may perform third party credit checks with either of these three credit bureaus i.e. Experian, Trans Union or Equifax. They may also perform alternative credit checks or may refer to alternative consumer reports to arrive at their financing decision. By submitting your loan application request, you accept, agree and authorize that your information would be sent to third-party partners and/or lenders on your behalf and such lenders may then refer to consumer reports and related financial information about you from one or more third party credit scoring or assessment agency.