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Online Installment Loan

Online Installment Loan of $100-$5,000

Dealing with surprise costs when you’re already trying to stay on top of the regular monthly stuff is no fun. If you need some fast cash, getting an online loan directly from a lender might do the trick. These loans let you spread repayment over multiple scheduled installments instead of paying everything at once. They can give some extra breathing room, but the amounts and terms vary, too. Apply through 15M Finance and check your offers in just several clicks!

Discover Our Installment Loans from a Trusted Direct Lender

15M Finance offers online installment loans from $100 to $5,000. Our borrowers can receive cash even if their credit isn’t perfect. The repayment terms usually range between 2 and 24 months. We consider borrowers with any credit and assess your overall financial situation instead of looking solely at your credit score.

You just need to provide some basic details via an online form to apply. If approved, the funds can be in your bank account in 24 business hours or even on the same day if you accept an offer before 10 AM on weekdays. The speed depends on how fast your bank processes money transfers.

Your Bad Credit is Not a Problem Anymore!

At 15M Finance, you can get bad credit loans with fixed monthly installments without undergoing a hard credit check via the major credit bureaus. We accept any credit score and rely only on your ability to pay the loan on time. 15M Finance also assists the borrowers in identifying the right financial product. Complete the form on our website to get started. We will do the rest!

How Does an Online Installment Loan Work?

Here’s how an installment loan generally works:

1. Application Process

Online Form: Complete an online application form on our website. You must specify your name, address, employment particulars, income and contact details, and social security number. Documentation: Borrowers may be asked to attach proof of income, identification, and any other relevant financial documents.

2. Approval and Terms

Credit Check: Only a soft credit check is typically made to review your financial history and the ability to repay the funds. Loan Terms: If approved, you will get a loan offer via email. Read your contract terms carefully, paying special attention to the details, such as the amount, interest rate, duration, and any charges.

3. Receiving Funds

Signing the agreement. Accept the stated terms by signing the loan agreement. Funding: The requested amount will be credited to your bank account within 24 hours of approval or sooner.

4. Repayment

Fixed Payments: In most cases, you make a fixed number of equal periodic payments in accordance with your loan agreement and repayment schedule. Interest and Fees: Every payment consists of part of the principal and interest for the period it covers.

Apply Online Now for a Direct Lender Installment Loan

What You Need to Apply

Loans from 15M Finance have just basic eligibility requirements. Some common criteria include:

Income: You need to have a stable income and verify it with pay stubs, recent tax returns, or bank statements. Employment Status: Constant and stable employment may be required. Self-employed persons may also be required to submit additional documents to verify their income. Debt-to-Income Ratio: We use the borrower’s debt-to-income (DTI) ratio to determine whether they can handle the new loan. Age: You need to be at least 18 years old (or reach the age of majority in your state). Residency: Proof of residency might be required. You need to be a US legal citizen or a permanent resident. Bank Account: A checking or savings account is needed to deposit the loan funds and make the electronic repayment. Identification: Proof of identity is required (Driver’s license, ID, passport, etc.).

Why Should You Rely on 15M Finance?

15M Finance works with customers in mind to provide them with the financial services they deserve. We’re here to contribute to your smooth borrowing experience and help you secure convenient terms and conditions. Here’s what we offer.


Quick Approval Process

The approval usually takes up to 15 minutes to reach your email inbox.


Transparent Borrowing Experience

We provide transparent financial services with no hidden clauses or fees.


Personalized Approach

You are not just a number; you are a human, and we want to help you get the best financial help.



Our terms and conditions are flexible so that you can adjust your monthly payments to your budget.


Fast Funding

The direct deposit will reach your checking account within 24 business hours of approval.



Your information is safe with us; we don’t send it to non-affiliates third-party companies.

How to Handle Installment Loans Responsibly

Being a responsible borrower will help you avoid the debt problem and maintain a good credit history. Here are several steps to show your responsibility.

Understand the Loan Terms

Make sure you properly understand the installment loan agreement terms before signing the contract. Know your loan APR, any extra charges, the amount you need to pay back, and the repayment schedule.

Borrow Only What You Need

Assess your financial capabilities and the purpose of the loan. Avoid borrowing more than you need so as not to pay more monthly interest.

Create a Repayment Plan

Make a budget for all your expenses and stick to it. Ensure you know how you will make each of these payments on time. Account for your changeable monthly plans and bills to avoid missing any loan payments.

Make Payments on Time

Set up an automatic bill-paying system for all your bills and debts so that you don’t forget to pay them on time. Submitting a payment even slightly past the due date might affect your credit score and involve other extra charges.

Communicate with the Lender

A lack of money can occur to anyone at any time. If you are in such a situation, talk to your lender immediately. Some common things that most lenders provide to consumers include payment holidays or adjusted payment plans.


In what states does 15M Finance offer online installment loans?

We offer online installment loans throughout the USA. However, you should check out your state’s lending laws as some restrictions may apply. If you want to apply in a store, we have physical locations in California, Missouri, Ohio, Texas, and Wisconsin.

Do I need a bank account to apply for a direct lender loan?

When applying through 15M Finance, borrowers need to have a valid bank account through which the lent amount can be deposited and repayments can be deducted.

How much does an installment loan cost?

Loans from 15M Finance typically have fixed rates between 16% and 200%. Your particular APR will be determined based on your state, income, and credit score.

How do I pay back my loan?

The process is automatic. Your installment loan payment will be debited from your bank account on the due date each month.

How much can I borrow from 15M Finance?

At 15M Finance, we offer loans from $100 up to $5,000. The sum you can get depends on the loan type, your income, repayment period, and your credit score.

What is the difference between an installment loan and a payday loan?

A payday loan is a short-term, high-interest that needs to be repaired in one lump sum once a borrower receives their next paycheck. In contrast, an installment loan has lower APRs and is normally repaid in a series of monthly installments over an agreed-upon schedule.

Can I get another installment loan through 15M Finance?

Yes, it’s possible if you have a sufficient income, DTI, and a satisfactory payment history. If you have questions, contact us via email at [email protected] or by phone (737) 241-3988.

Kayla Harris

by Kayla Harris

Published on July 5, 2024