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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.

Short Term Loans Bad Credit

If you are looking for some instant cash loans, then the ticket to your needs would be a short-term loan. Typically, short-term loans are payday loans, where the borrower will be allowed to borrow a small amount of cash instantly and will repay the loan over a short time. Such types of loans allow the debtor to deal with any kind of urgent financial crisis which can be paid back over a manageable time duration.

Why Choose A Short-Term Loan?

Short-term loans are probably the best option when you need some cash instantly. Times of exigencies do not come with a warning and at such times, short-term loan lenders are the financial saviors. Most of the people look for a short-term cash loan during emergencies,or when they have overdrawn from the bank limits, or when they need some quick cash ahead of their payday.

The short-term loans are one of the most preferred types of quick cash loans as they do not have any strings attached. Most of the creditors do not carry out an elaborate and time-consuming verification process. They do not check for credit score backgrounds. They do not need a collateral or co-signer. They have comparatively quick processing and loan approval rates that usually range from a couple of hours to the next business day.

Worried about Poor Credit History?

If you do not have a stellar credit history, then it would be a difficult task to get a loan approved from a conventional

bank.If you do not have a stellar credit history, then it would be a difficult task to get a loan approved from a conventional bank. However, there are many money lending credit unions and financing companies who will provide you with a quick short-term loan even if you have a poor credit score. The “short-term loans bad credit” is the primary requirement for many debtors to look for a short-term cash advance loan as most of the traditional banks will reject a majority of the applications that have a “short-term loan bad credit” requisite.

Easy Repayment Options

The lender and the borrower can scheme out an easier repayment plan depending on the debtor’s financial status and income levels. Typically, short-term loans can be repaid as installments for a tenure of less than 1 year or until the next paycheck day. However, it depends on the amount borrowed and the payment capabilities of the debtor. Since the repayment time schedule is fixed, the borrower can plan the finances accordingly and pay back the loan on-time. The APR is usually considerable and licensed creditors abide by the government rules that put a cap on the rising interest rates. However, it should be noted that late payments or defaulting a payment will bring down the credit scores.

It is better to opt for direct payday lenders or other financial creditors who provide short-term installment loans directly to the borrower without the involvement of any third-party or brokerage services.

So, if you need a quick short-term loan, research well and choose from your options. Provide the needed documents for verification and get your loan approved despite having a poor credit score with zero collateral. Fill your bills and expenses with the loan amount, pay back on time and improve your credit scores.

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.