Fixed-Rate Installment Loans
Credit Solutions Built Around Your Life
Access fixed-rate installment loans from $200 to $5,000. Check your options in minutes with no impact to your credit score.
Select your estimated loan amount
Checking options does not affect your credit score
$180M+
funded to date
42,000+
applicants helped
4.7
avg. customer rating
24 hr
avg. decision speed
Process
Get your funds in 3 steps
Complete a quick application
Fill out a simple form in about 5 minutes. We ask for basic personal and income details to connect you with matching offers.
Review your offers
Receive matched offers within minutes. Compare rates, terms, and monthly payments — no obligation to accept any offer.
E-sign and get funded
If you accept an offer, e-sign your agreement. Funds are often deposited as fast as the next business day, depending on your bank.
Ready to start?
It takes about 5 minutes. No credit score impact.
Calculator
See your estimated monthly payment
Adjust the sliders to explore different loan scenarios. All figures are illustrative estimates only.
Repayment Term
Est. Monthly Payment
$184.30
Illustrative only. Your actual rate and monthly payment depend on your credit profile and the lender's terms. APR range: 5.99%–34.99%. Min. term: 61 days.
Rates & Terms
Rates & terms at a glance
Representative examples based on network averages. Your actual rate will vary based on creditworthiness.
| Amount | Term | APR | Monthly | Total Cost |
|---|---|---|---|---|
| $500.00 | 6 mo | 17.99% | $88.83 | $532.98 |
| $1,000.00 | 12 mo | 21.99% | $93.31 | $1,119.72 |
| $2,000.00 | 12 mo | 18.99% | $183.42 | $2,201.04 |
| $3,000.00 | 24 mo | 24.99% | $160.24 | $3,845.76 |
| $5,000.00 | 36 mo | 29.99% | $198.55 | $7,147.80 |
Representative Example: A $2,000 installment loan at 18.99% APR over 12 months would result in 12 monthly payments of $183.42. Total amount repayable: $2,201.04. Total interest charged: $201.04.
Rates effective as of July 1, 2026. APR range: 5.99%–34.99%. Minimum repayment term: 61 days. Maximum loan amount: $5,000. Your rate and terms may differ based on your credit profile.
Trust & Compliance
Why borrowers trust us
BBB Accredited
A+ rating with the Better Business Bureau
SSL Secured
256-bit encryption on all data transmissions
GLBA Compliant
Gramm-Leach-Bliley Act privacy standards met
No Prepayment Penalty
Pay off early without extra fees
Fixed Rate
Your rate never changes after you sign
NMLS Licensed
NMLS #000000 — registered & compliant
Testimonials
Real stories from real borrowers
“I was genuinely surprised by how fast and painless the process was. I had my options within minutes and everything was completely transparent.”
— Marcus T., TX
“After being turned down elsewhere, this platform connected me with a lender that actually reviewed my full financial picture. Grateful doesn't cover it.”
— Priya L., GA
“The fixed rate was the selling point for me. I hate surprises. The monthly payment stayed exactly as quoted from day one.”
— Robert K., OH
Reviews are representative of typical customer experiences. Individual results will vary. These are fictional composites for illustrative purposes.
Eligibility
Who may qualify
Basic requirements
- US citizen or permanent resident
- 18 years of age or older
- Regular source of verifiable income
- Active checking account in your name
- Valid email address and phone number
- Minimum credit history may be required
Meeting these criteria does not guarantee approval. All applications are subject to lender review and creditworthiness assessment.
What to expect
Submit basic personal, income, and banking details.
No impact to your credit score at this stage.
Compare options with no obligation to accept.
Sign your agreement; funds deposit directly to your account.
*Funding timelines vary by lender and your bank's processing schedule. Not all applicants will qualify for next-day funding.
FAQ
Common questions
No. When you submit your application, we perform a soft credit inquiry only. Soft inquiries are not visible to other lenders and have no impact on your credit score. A hard inquiry may only occur if you choose to finalize a loan offer directly with a lender.
Rates on our network range from 5.99% to 34.99% APR. Your actual rate depends on factors including your credit score, income, debt-to-income ratio, loan amount, and the specific lender's underwriting criteria. You are never obligated to accept any offer.
If approved and you e-sign your loan agreement, many lenders can deposit funds as fast as the next business day. Some lenders may take 2–5 business days. Actual timing depends on the lender's process and your bank's ACH processing schedule.
Fee structures vary by lender. Some lenders in our network charge no origination fees; others may incorporate fees into the APR. We encourage you to read all loan documents carefully before accepting any offer. The total cost of the loan will be fully disclosed before you sign.
Most lenders on our network do not charge a prepayment penalty. You are encouraged to confirm early-payoff terms directly in your loan agreement before signing. Paying early may reduce your total interest cost.
We connect borrowers with lenders across most US states. However, state regulations vary and not all lenders operate in every state. Eligibility is determined at the time of application based on your state of residence.
Most applications only require basic information: your name, address, Social Security number, income details, and bank account information for direct deposit. Some lenders may request supporting documents such as pay stubs or bank statements during their review process.
Missing a payment may result in late fees, additional interest charges, and a negative mark on your credit report. We strongly recommend contacting your lender directly if you anticipate difficulty making a payment — many lenders offer hardship programs.
No. We are a loan-matching service that connects borrowers with a network of third-party lenders. We do not make credit decisions, and we do not fund loans. The lender you are connected with will make all underwriting and funding decisions.
Our support team is available Monday–Friday, 8 AM–6 PM Eastern Time. You can reach us by phone at 1-JUST-LOANS or by email through the contact form on our site.
Get started today
See what you qualify for —
it takes 2 minutes
No commitment. No hard credit check. Just your options, clearly presented.
Important Disclosures
Loan Amounts & Terms: JustLoans is a loan-matching service, not a direct lender. Loans facilitated through our network range from $200 to $5000. Minimum repayment term is 61 days. Maximum APR is 34.99%.
APR Disclosure (TILA): Annual Percentage Rates (APR) on loans offered through our network range from 5.99% to 34.99%. The APR includes the interest rate and any applicable fees as required by the Truth in Lending Act (TILA), 15 U.S.C. § 1601 et seq.
Representative Example: A $2,000 installment loan at 18.99% APR for a term of 12 months results in 12 monthly payments of $183.42. Total amount repayable: $2,201.04. Total interest charged: $201.04. This example is illustrative only; your actual rate and payment will vary.
No Guarantee: Submitting an application does not guarantee loan approval, specific loan terms, or a particular APR. All credit decisions are made solely by the lender, based on their own underwriting criteria and applicable law. JustLoans does not make credit decisions.
Credit Checks: Submitting your application through JustLoans triggers a soft credit inquiry, which does not affect your credit score and is not visible to other lenders. If you choose to finalize an offer with a lender, that lender may perform a hard credit inquiry, which may affect your credit score.
TCPA Consent: By submitting an application, you expressly consent under the Telephone Consumer Protection Act (TCPA) to receive calls, text messages, and/or pre-recorded messages at the number you provide, including through an automatic telephone dialing system, from JustLoans and its lending partners for marketing and informational purposes. Consent is not a condition of purchase. You may opt out at any time by replying STOP.
Platform Disclosure: JustLoans is not a lender. We connect consumers with a network of third-party lenders. We may receive compensation when you are matched with a lender. This relationship may influence which offers are presented to you, but we are committed to presenting options that may be in your best interest.
Responsible Borrowing: Installment loans are a financial commitment. Borrow only what you need and what you can reasonably afford to repay. Late or missed payments may result in fees, increased interest, and a negative impact on your credit report. If you are struggling with debt, contact the National Foundation for Credit Counseling (NFCC) at nfcc.org or 1-800-388-2227 for free or low-cost credit counseling.
State Availability: Not all lenders are available in all states. Availability is subject to state law and each lender's licensing status. Loan products may vary by state.
NMLS #000000. JustLoans operates in compliance with applicable federal and state consumer lending laws. For questions, contact us at 1-JUST-LOANS or support@justsloan.com.