APR rates range from 
4.95% min to 35.95% max.
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We have access to lending plans for most credit types, good, fair or poor.

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Monthly Instalment Lending

An instalment loan is similar to an unsecured personal loan or a secured mortgage. The lender provides the applicant with an agreed amount of money, with interest added on top that the borrower repays over a set amount of time. Any loan repaid over time with a set number of scheduled payments – typically at least two - is an instalment loan. Repayment terms can be as little as a few months, or for mortgages, up to 35 years. Instalment loans may be secured (against property or a vehicle for example) or unsecured (just like a personal loan from your bank, building society or credit union).

In the UK, instalment loans are strongly associated with traditional consumer loans that offer customers access to instant cash, online or on the High Street. These loans provide a safe, secure and reliable source of credit, and are often more accessible to people with a poor or no credit history, than bank loans and other traditional forms of borrowing like credit cards or catalogues. Instalment loans are also considered to be a better choice of other shorter term and logbook loans, and can help people to manage their money more effectively.

Instalment loans are different from short term loans and flexible credit facilities, as they are typically repaid over longer periods, meaning lenders have the ability to borrow larger sums. These loans also come with lower interest rates than short term loans, making them more appealing to people looking to get a good deal on their loan.

However, as instalment loans are designed to help people who need access to instant cash, or people with bad credit, they may come with higher than average interest rates compared to mainstream lenders like banks. Repayment terms, loan amount granted and interest charged is also impacted by a number of things; such as the lender’s own criteria, the loan amount, and the borrower’s current circumstances. You should always make sure you read any loan agreement carefully before you agree to it to ensure the loan is affordable and that the repayments are manageable for your monthly budget.

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APR Rates Range

The APR offer you receive will vary depending on many factors, including your personal income and budget. The best way to learn what APR range you are eligible for is to complete the no-obligation loan application and receive details on loan offers available to you. APR rates can vary from 4.95% to 35.95% or higher – The rate that you’re offered will be determined by the lender in response to the data you’ve provided within your application.

Representative Examples

If you borrowed $2,000 over a 12 month period and the loan had a 3% arrangement fee ($60), your monthly repayments would be $189.12, with a total payback amount of $2269.44 which including the 3% fee paid from the loan amount, would have a total cost of $329.44. Representative 29.82% APR.

If you borrowed $5,000 over a 48 month period and the loan had an 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR.


Instalment-Lenders™ offers anyone, from any walk of life, an alternative to traditional applications for bank loans. We provide first-rate financial services and access to, online loans, unsecured loans, installment loans, and personal loans, no matter your financial history. Instalment-Lenders™ helps thousands of people just like you every day.

Getting approved for a loan takes just a few minutes. You submit your personal information in a secured, encrypted process that is easy to follow. Input how much you want to borrow, how long you want the loan repayment to last, and a few basic personal details. Your application is then processed and you will be advised right away if you have been approved.

Funds are normally deposited directly into your checking account within 24 to 48 hours*.

Start here by getting your loan offer


Our Disclosures

Credit Check Disclosure

Instalment-Lenders™ are not lenders. We do NOT make loan or credit decisions. The trusted lenders that we work with may, however, may carry out credit checks to understand how creditworthy you are, your credit standing and your credit capacity. There are three reporting credit bureaus that the credit checks may be carried out with: Experian, Equifax, and TransUnion. By submitting your loan request, you agree to allow our lenders to verify your personal information and check your credit – however, you will always be notified before a credit check is carried out. Please borrow responsibly and remember that a missed or late payment can have a negative impact on your credit.

Lender Network Disclosure

Instalment-Lenders™ is not a lender – we provide no loans, make no lending decisions, nor do we influence lenders in their decisions. We pride ourselves in providing a free, no-obligation service to consumers looking to borrow funds. We connect those very people, people like you, to trusted, reputable lenders who are willing to lend to them.

When using Instalment-Lenders™ to secure your loan requirements, you’ll benefit from our bespoke financial technology. Not only will you be able to access a network of lenders quickly and with ease with just one application, but we’ll also filter out the companies that don’t match your needs or personal circumstances. All of the lenders in our network employ their unique lending criteria and have individual terms and conditions.

With this in mind, when you’re approved for a loan and receive your no obligation loan offer, be sure to read the documents carefully to ascertain that it’s the right offer for you! Remember, you’re not obliged to accept an offer.

Truth in Lending Policy

To work with Instalment-Lenders™, the lenders in our network must all comply with to the Truth in Lending Act. This means that they always supply loan offers and contractual agreements that are easily understood as best practice and as required by federal law.

Truth in Lending helps protect you the consumer against predatory and unscrupulous lending. Please remember the choice to proceed with a loan is all yours – you are never under any obligation to accept a loan offer. Before agreeing to go ahead with the agreement, please read all of the paperwork the lender provides you with care, to ensure that you understand all of the information about your loan (APR, charges, etc.). You also need to consider and be certain that you can afford the repayments, and that you are totally satisfied with the offer that has been made to you before signing. If in doubt, ask the lender to clarify details. An informed choice is the best choice.

State Availability Disclosure

Our services are not available in every state. The eligibility of our network is entirely dependent on lenders that operate or offer their financial products and services within any particular state. Some lenders may charge APR rates that exceed the limit of the specific State Usury Law, and because of this, they can’t legally operate within that state. The amount of interest that you can legally be charged is set by each state. These Usury Laws are there to protect consumers from unscrupulous lenders and excessive interest rates. Usury Laws are somewhat complicated by a multitude of legal loopholes and exceptions – resulting in it frequently becoming necessary for a differing rate for each situation.

As a consumer, you have the right to waive the Usury Law set interest rates, which can be done via your contract with the lender. As a result, State Interest Rate Laws that apply to your state of residence may have no bearing on the actual rates you have agreed to pay. Lending criteria vary from state to state, and this will mean that not all of our trusted lenders operate in every state. In fact, due to a lender’s eligibility criteria or state legislation, a lender has the option to decline your application. Residents of some US states may not be eligible for installment loans products at all.

Instalment-Lenders™ connects consumers with lenders that adhere to the specific State Usury Laws and that charge (including fees and interest), a minimum APR rate of [APR], but within the legal limits that have been set by that state. Responsibility for ensuring that any agreement you enter into meets state legislation is that of the lender.

A useful point of contact regarding any concerns you may have regarding unlawful interest rates would be your State Office. They are best placed to advise you on the Usury Laws that will affect you.

Instalment-Lenders™ does not undertake solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by State Law. This service is void where prohibited.

Late or Missed Payments

There are two parts to the agreement made between you and the lender when you accept the terms of the loan. First, you agree to repay the loan with interest. Second, you agree to repay the loan within the timeline that is specified in the terms. Failing to repay the loan in full, or on time, could result in extra fees from the lender.

We cannot predict or estimate what supplemental charges will be incurred in the event of late, partial, or non-payment of loans here at Instalment-Lenders™. We do not have any control or knowledge of any loan agreements or details between you and your lender.

Within your Loan Agreement, you will be provided with details on the late, partial, and

non-payment policies that your lender enforces; please review this fully before proceeding with a loan offer. Instalment-Lenders™ strives to partner with only the most trustworthy and reputable lenders, those who pursue the collection of past-due loan accounts in a fair and reasonable manner, ensuring you have the best loan experience.

Credit Score Impact

To find out how credit-worthy you are, your credit capacity and your credit standing, our network of lenders may perform credit checks. Submitting a loan request means that you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing payments and making late payments may have a negative impact on your credit score.

Collection Practices

Instalment-Lenders™ only works with reputable lenders who use fair collection practices.