Need cash today? Get up to $3,750 — even with bad credit.
Apply online in minutes and get same-day funding for approved applicants. No collateral, no perfect credit, no early-payoff penalty. Real money when life can't wait.
Check your rate
Complete the secure form below — it won't affect your credit.
🔒 Submitting does not guarantee approval. Representative APR 471%–841% — an expensive form of credit.
Why choose MaxLend online installment loans
When unexpected expenses hit and traditional banks say no, MaxLend offers a straightforward path to short-term funds.
Same-day funding loans
Apply online in minutes. Approved applications can be funded the same business day, so you get cash when it matters.
Unsecured loans — no collateral
These are unsecured installment loans — your car, home, and personal property stay yours. No FICO minimum required.
Flexible installment repayment
Pay over time with scheduled installments instead of one lump sum, with up to 10 months to repay.
Lower rates with PREFERRED Rewards
Returning borrowers in good standing can unlock lower costs and higher limits through the MaxLend rewards program.
No early-payoff penalty
Pay your balance off ahead of schedule any time to save on interest — there's never a prepayment fee.
24/7 loan customer support
Real people, around the clock. Get help with your application or account whenever you need it.
How to get an installment loan online in 3 steps
1. Apply online in minutes
Fill out a short, secure form with your basic details. It only takes a few minutes and won't affect your credit to check.
2. Get a fast loan decision
A MaxLend agent verifies your information with a quick follow-up. Most applicants hear back fast.
3. Get same-day funding
Once approved and signed, funds can be deposited as soon as the same business day.
MaxLend reviews from real borrowers
"The application was quick and the team called to confirm everything. Money was in my account the next morning when I really needed it."
Verified borrower
"I paid mine off early and there was no penalty at all. Customer service actually picked up the phone every time I called."
Verified borrower
"Rates are high so I made sure to pay it back fast. For an emergency when no bank would help me, it did the job."
Verified borrower
What you can use an installment loan for
People use MaxLend installment loans for all kinds of unexpected, can't-wait expenses. Here are the most common reasons borrowers apply.
Loans for medical & dental bills
Cover an unexpected ER visit, prescription, or dental work when your insurance falls short and the bill can't wait.
Car repair loans
Get back on the road fast. Pay for a tow, a new transmission, or tires so you can keep getting to work.
Rent & utility bill loans
Bridge the gap on rent, electricity, or your heating bill and avoid late fees, shutoffs, or eviction notices.
Emergency travel loans
A family emergency across the country shouldn't be made worse by a lack of cash. Book the flight and go.
Loans to cover overdue bills
Consolidate a couple of small past-due bills into one predictable payment instead of juggling several deadlines.
Emergency loans for anything urgent
From a broken appliance to a pet's vet bill, use your funds for whatever genuine short-term need comes up.
Loans are for short-term needs only. Borrow responsibly — representative APR 471%–841%.
Installment loans vs payday loans & cash advances
Not all fast funding is the same. Here's how a MaxLend installment loan stacks up against the common alternatives.
| Feature | MaxLend installment | Payday loan | Credit card cash advance |
|---|---|---|---|
| Repayment | Spread over months | Full lump sum next payday | Revolving, minimum due |
| Credit score needed | No minimum | No minimum | Good credit usually required |
| Funding speed | Same day | Same day | Instant (if you have a card) |
| Early-payoff penalty | None | Varies / discouraged | None |
| Rollover trap risk | Low (fixed schedule) | High | Medium (revolving) |
| Best for | Manageable short-term need | Tiny, very short gaps | Cardholders with available credit |
Bad credit & no credit check loans — who qualifies
Traditional banks turn away millions of people every year. MaxLend looks at your whole situation, not just a credit score.
Bad credit loans
A low FICO score won't automatically disqualify you. There's no minimum credit score to apply.
No credit history loans
Thin or no credit file? Decisions weigh your income and ability to repay, not just your past.
Approved after bank denials
Turned down by a bank? Many MaxLend borrowers come to us after a traditional rejection.
Income-based approval
If you have a regular, verifiable source of income and a checking account, you can apply today.
Installment loan FAQs
Quick answers to what borrowers ask most. See our full FAQ for more.
Apply for your installment loan today
Check your rate in minutes with no impact to your credit score. See what you may qualify for today.
Start My Application →