Online Installment Loans

Get Money Now, Pay It Back Over Time

Online Installment Loans from Advance America get you the money you need today, along with the ability to pay it back in smaller, multiple payments over time. Availability of this loan varies by state. Read on to learn what an online installment loan is, the benefits of online installment loans and how to apply.

What is an online installment loan?

An online installment loan is a type of loan you get online and repay over time through fixed monthly payments, or installments. Depending on your agreement, you’ll have anywhere from a few months to a few years to pay it back. You can use an installment loan to cover an emergency expense, pay for a home improvement project, or meet another financial goal.

How Online Installment Loans help you

An Online Installment Loan from Advance America gets you the money you need today, along with the flexibility to pay it back over time—all without having to visit a store. Simply apply right from your laptop or phone, review the Online Installment Loan terms, and in as little as 10 minutes, you could be eligible to have funds directly deposited into your checking account as soon as the same day*.

Applying for an Online Installment Loan

Getting an Installment Loan online is quick and easy. Simply fill out an online application, review the terms, and electronically sign the agreement. Once you’re approved for an online installment loan, funds will be directly deposited into your checking account as soon as the same day*. And best of all, Online Installment Loans allow you to pay back the loan in multiple payments over an extended period of time.

What you’ll need to get an online installment loan

To get an online installment loan, you’ll need to share information and documents, such as:

  • Your full name, date of birth, email address, and phone number
  • A government-issued ID, like your driver’s license or passport
  • Paystubs, tax forms, or bank statements
  • A valid and active bank account number
  • Social Security number

How to apply for an online installment loan

To apply for an online installment loan, follow these steps:

1. Gather all necessary documents and information

First, gather your ID and financial statements, like your pay stubs and tax forms. You will need them when you apply for an online installment loan.

2. Fill out an online installment loan application

Visit the lender’s website and go through the online application process. It should only take a few minutes. You can complete it from your home, workplace, or anywhere with internet access.

3. Submit your application

Double check your application for errors and inaccuracies to avoid delays with approval and funding. Then, submit your application for an online installment loan.

4. If approved, receive your funds

Upon approval for an online installment loan, the lender will distribute the money, usually via direct deposit. You may receive it the same day you get approved, within 24 hours, or in a few business days.

Instant Approval for Online Installment Loans

When unplanned or emergency expenses arise, you need to act quickly. That’s why we’ve made our Online Installment Loan application as simple and convenient as possible—so you can complete your application in as little as 10 minutes, plus receive your funds as soon as the same day*.

Do I need good credit to get an online installment loan?

You can get an online installment loan even if you have poor or fair credit. Many lenders have lenient qualification requirements and are willing to look beyond your credit score. They’re open to approving all types of borrowers, including those with a poor credit history.

Benefits of Online Installment Loans

Repayment of your online installment loan will take place on each installment due date, which typically follows your pay dates, via auto withdrawal from your bank account or cash payment at your location.

Depending on your state, repayment will take place anywhere from 3 to 36 months and generally coincide with your pay date. Direct lending for Online Installment loans streamlines the lending process and allows you to get the money you need fast.

Easy repayment: Repaying you Online Installment Loan is easy. You will only have to pay our company as opposed to third party vendors or creditors.
Quick Loan Issuance: Since Advance America offers direct lending for online installment loans, we’re able to get the money you need faster than those companies that use indirect lending.


Secure & Safe: With Advance America direct lending, you can be sure that your information is submitted through a secure database. With indirect lending, your personal information could be distributed to other companies, which can lead to identify theft. For more information about our Privacy Policy, click here.

Is an online installment loan right for me?

If you need cash to meet a short-term or long-term goal, an online installment loan can come in handy. This is particularly true if you lead a busy life and don’t have the time to go through the loan process in person. An online installment loan can provide you with cash in a fast, convenient way.

*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.

The Advance America advantage

Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including Payday Loans, Online Loans, Installment Loans, Title Loans and Personal Lines of Credit.
148+ million
loans issued
1,100+ stores
and online loans
24+ years
providing loans