Borrow what you need and pay it back over time with fixed, predictable monthly payments
Fast approval, funds within 24 hours
Installment loans are a type of loan where you borrow a fixed amount of money upfront and repay it over time through a series of scheduled payments — called installments. Each payment is the same amount, making it easy to budget and plan ahead.
Unlike payday loans that typically require full repayment on your next paycheck, installment loans spread your payments over weeks or months. This means smaller, more manageable payments that fit comfortably into your budget without causing financial strain.
At NeptuneLoan, we connect you with lenders offering installment loans from $100 to $5,000 with repayment terms ranging from 2 to 24 months. Whether you need funds for an emergency, a major purchase, or debt consolidation, installment loans offer a structured, predictable way to borrow.
Decide how much you need ($100-$5,000) and how long you want to repay (2-24 months)
Fill out our 2-minute form and get matched with lenders instantly
See your exact payment amount, interest rate, and total cost before signing
Receive funds within 24 hours, then make fixed payments on schedule
Not sure which type of loan is right for you? Here's a quick comparison:
| Feature | Installment Loans | Payday Loans |
|---|---|---|
| Repayment | Multiple payments over time | Single payment on payday |
| Term Length | 2-24 months | 2-4 weeks typically |
| Payment Amount | Smaller, fixed payments | One larger payment |
| Budgeting | Easier to plan ahead | Requires full amount at once |
| Best For | Larger expenses, longer needs | Small, short-term cash gaps |
Same amount every time — no surprises, easy to budget
Choose a repayment timeline that works for your budget
On-time payments can help improve your credit score
Borrow more since you have longer to repay
Installment loans are versatile and can be used for almost any purpose:
To qualify for an installment loan through NeptuneLoan, you'll need:
All credit types are welcome. Our lenders look at your overall financial picture, not just your credit score.
Decision in minutes, not days
Money in your account within 24 hours
Bad credit? No credit? Apply anyway
No hidden fees or surprises
Ready to get an installment loan with predictable, manageable payments? Use the loan selector above to choose your amount and term, then click "Check Your Rate." It takes just 2 minutes, and checking won't affect your credit score.
See what installment loan options are available to you today — no obligation to accept any offer.
Disclosure: NeptuneLoan is not a lender. We are a loan matching service that connects borrowers with independent third-party lenders. Loan approval, terms, and funding are determined solely by the lender. APR ranges from 5.99% to 35.99%. Actual rates depend on the lender and your creditworthiness.