Top 10 Fast and Easy Installment Loans in the USA You Can Get Today

Introduction

Installment loans have become one of the most reliable financial solutions for Americans looking to spread out repayments while covering urgent expenses. With the growing demand for speed, accessibility, and flexibility, more lenders than ever offer fast and easy installment loans in the USA. Whether you're dealing with a medical emergency, home repairs, or simply need quick access to cash, this guide brings you the top 10 lenders providing installment loans in the USA today.

Quick Summary: Best Installment Loans in the USA

Here are the top 10 providers of fast installment loans online and in-store:

• Speedyfundsnow

• Upstart

• LendingPoint

• Acorn Finance

• SoFi

• Discover Personal Loans

• Fig Loans

• Check Into Cash

• LendUp

• CashNetUSA

These lenders offer varying terms, credit score requirements, and disbursement speeds to suit a wide range of borrowers.

1. Speedyfundsnow

Website: speedyfundsnow.com

Loan Type: Online installment loans for bad credit

Contact:

Speedyfundsnow specializes in easy installment loans with instant approval, especially for those with poor credit scores. Known for fast disbursement, simple application, and friendly customer service, it’s ideal for emergency cash needs.

Why Choose Speedyfundsnow:

• No hard credit checks

• Same-day approvals

• Flexible repayment plans

2. Upstart

Website: upstart.com

Loan Type: Personal installment loans

Contact:

Upstart uses AI-driven underwriting to offer quick personal loans with installment plans even for those with limited credit history. The process is 100% online.

Pros:

• Approval in minutes

• Competitive APRs

• Accepts fair/low credit

3. LendingPoint

Website: lendingpoint.com

Loan Type: Installment loans for poor credit

Contact:

LendingPoint provides monthly payment loans in the USA for borrowers with credit scores as low as 600. Funds are usually sent within 24 hours.

Highlights:

• Up to $36,500

• Fixed interest rates

• Transparent terms

4. Acorn Finance

Website: acornfinance.com

Loan Type: Peer-to-peer installment loans

Contact:

Acorn Finance connects borrowers with a network of lenders for online installment loans for bad credit. No impact on your credit to prequalify.

Top Benefits:

• Compare multiple offers

• Loans up to $100K

• No origination fees

5. SoFi

Website: sofi.com

Loan Type: Personal installment loans

Contact:

SoFi provides high-value installment loans with perks like unemployment protection and financial planning tools. Ideal for professionals.

Key Features:

• Loans from $5,000 to $100,000

• No fees

• Great for good-to-excellent credit

6. Discover Personal Loans

Website:

Loan Type: Bank-backed installment loans

Contact: 1-866-248-1255

Discover offers same-day installment loans USA with reliable support and low interest rates. The brand name adds trust for first-time borrowers.

Why Choose Discover:

• APR from 5.99%

• No origination fees

• Fixed monthly payments

7. Fig Loans

Website: figloans.com

Loan Type: Installment loans for credit-building

Contact:

Fig Loans is a socially responsible lender offering no credit check installment loans with fair terms, especially for underbanked consumers.

Benefits:

• Build credit with on-time payments

• APR capped for affordability

• Trusted by nonprofit partners

8. Check Into Cash

Website: checkintocash.com

Loan Type: In-store & online installment loans

Contact:

With over 1,000 stores nationwide, Check Into Cash offers both fast installment loans online and walk-in options for those who prefer in-person support.

Highlights:

• Quick in-store loans

• Easy application process

• Flexible terms

9. LendUp

Website: lendup.com

Loan Type: Short-term installment loans

Contact:

LendUp caters to consumers seeking quick cash loans for bad credit with a path to better credit through responsible borrowing.

Best For:

• Credit score improvement

• Transparency

• Fast processing

10. CashNetUSA

Website: cashnetusa.com

Loan Type: Installment and payday loans

Contact:

CashNetUSA offers instant decision installment loans across most U.S. states. Great for people who need funds urgently with minimal paperwork.

Advantages:

• Apply anytime, 24/7

• Fast approval decisions

• Credit flexibility

Comparison Table: Fast Installment Loan Providers (2025)LenderBest ForMax LoanCredit CheckFunding SpeedSpeedyfundsnowEmergency loans, bad credit$5,000NoSame-dayUpstartAI-based approvals$50,000SoftNext-dayLendingPointFair/poor credit borrowers$36,500Soft24 hoursAcorn FinanceComparing multiple lenders$100,000SoftVariesSoFiHigh-value personal loans$100,000Yes2–3 daysDiscoverBank reliability, low APR$35,000Yes1–2 daysFig LoansSocial impact, credit building$1,000No1–2 daysCheck Into CashWalk-in serviceVariesVariesSame-dayLendUpCredit building$1,500Yes1 dayCashNetUSAInstant approval, flexible terms$2,500SoftSame-dayFAQs: Installment Loans in the USA

1. What are installment loans?

Installment loans are loans repaid over time with scheduled payments. They often come with fixed interest rates and terms.

2. Can I get installment loans with bad credit?

Yes. Companies like Speedyfundsnow, Fig Loans, and LendingPoint specialize in loans for bad credit borrowers.

3. Are same-day installment loans legit?

Yes. Lenders like CashNetUSA and Speedyfundsnow offer legitimate same-day funding options.

4. Is a credit check required?

Not always. Some lenders offer no or soft credit check options.

5. How fast can I get funds?

Some lenders provide instant decisions and same-day funding, especially online lenders.

Conclusion

Finding the best installment loans in the USA doesn’t have to be difficult. Whether you want fast approval, no credit checks, or low-interest options, these 10 trusted companies provide accessible financing when you need it most. From tech-savvy options like Upstart to community-first providers like Fig Loans, there’s a solution tailored to your situation.

Ready to apply? Choose the lender that fits your credit score, funding needs, and preferred repayment style. Take control of your financial journey today with a reliable installment loan.

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SpeedyFundsNow is your go-to partner for quick, secure, and convenient personal loans—particularly when time is not in your favor.