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Installment loans · $500–$5,000

One amount.
One payment.
A date it ends.

A FrontPay installment loan is the plain version of borrowing: you get the whole amount at once and repay it in 3 to 24 equal monthly payments. The APR is fixed, the last payment date is on the contract, and paying early costs nothing.

Check your rate See a payment plan
$500–$5,000in $50 steps
3–24fixed monthly payments
$0to apply · no prepayment penalty

Pick a plan.
Watch it end.

Move the sliders and the calendar fills in. Every blue square is one fixed payment; the black one is your last. Illustrative at 35.99% APR, a common rate for fair credit; your offer shows yours.

$251.14/ monthTotal repaid $3,013.71 · cost of borrowing $513.71 · last payment —

Payments pull automatically on your pay date. Pay extra or pay off early from your account at any time; interest stops the day the balance hits zero.

AmountTermAPRMonthlyTotal repaidCost
$1,0006 months35.99%$184.59$1,107.55$107.55
$1,50012 months35.99%$150.69$1,808.23$308.23
$2,50012 months35.99%$251.14$3,013.71$513.71
$3,00018 months29.99%$209.00$3,761.91$761.91
$5,00024 months24.99%$266.83$6,403.98$1,403.98

Representative example: $2,500 over 12 months at 35.99% APR is $251.14 a month, $3,013.71 in total. APRs vary by lender, state and applicant. Open the full calculator · Rates & fees

Installment, short-term
or personal?

Smaller, sooner

Short-term loan

$200–$1,500 · 14–90 days

For a bill you'll clear from the next paycheck or two. Faster to qualify, costs more per dollar. When it fits

You are here

Installment loan

$500–$5,000 · 3–24 months

The middle option for most bills over $500: a payment you can plan around, approval on income rather than score, and reporting that can help your credit.

Larger, cheaper

Personal loan

$2,000–$5,000 · 12–24 months

Same structure, lower APRs for fair-or-better credit. The usual choice for rolling card balances into one payment.

Good fit. Bad fit.

Choose an installment loan when

  • The bill is $500 or more and one paycheck won't cover it: car repair, medical bill, a move
  • You want a payment that doesn't change and an end date you can see
  • Your credit is thin or bruised; approval here rests on income and bank history
  • You're paid by paper check, gig income or benefits: no direct deposit needed
  • You'd like on-time payments to count toward your credit

Look elsewhere when

  • You need under $500 to get to payday: a cash advance app or asking the biller for a few days is cheaper
  • A credit union will give you a Payday Alternative Loan at 28% or less
  • The payment doesn't fit your month even on the longest term. Don't sign it; nothing is reported if you decline
  • You're consolidating cards at 20–30% APR with good credit: a personal loan will beat this rate

Questions about installment loans

The ones we hear most. Forty more in the full FAQ.

How much can I borrow with a FrontPay installment loan?
From $500 to $5,000, in $50 steps. The amount on your offer depends on your income, your bank history and the maximum your state allows. Smaller bills ($200–$1,500) usually fit a short-term loan better; larger ones with stronger credit may get a lower APR as a personal loan.
What APR should I expect?
Installment APRs in our network commonly run 5.99%–35.99% for stronger credit and higher, up to 149% in some states, for thin or damaged credit. The rate is fixed for the whole term and printed on your offer before you sign. Full rate table
Can I pay it off early?
Yes, at any time, with no prepayment penalty. Interest stops accruing on the day you pay in full, so paying early always costs less than the schedule.
Is the payment really fixed?
Yes. The monthly amount, the due date and the final payment date are all on the contract. Nothing changes unless you change it, and you can move the due date with your lender if your pay date moves.
Do I need good credit?
No minimum score. Lenders approve on income and bank history; scores in the 500s are common among approved borrowers. Expect an APR at the higher end of the range. Bad credit loans
Does an installment loan build credit?
Most installment lenders in our network report to Equifax, Experian and TransUnion, so on-time payments can help your score over the term, and late ones can hurt it. How reporting works

Keep reading.

How it worksFour steps, about three minutesRequirementsWhat you need and what you don'tRates & feesAPR ranges by product and creditLoans by stateWhat lenders can offer where you live
$200–$5,000Soft check · $0 to apply
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