Top 3 Installment Loan Apps to Get You Started


Loan applications are gradually replacing traditional loan agencies or credit unions. Today, traditional lending institutions struggle to cope with the convenience and seamless processes of these applications. Also, these applications and online lenders accept applicants regardless of their credit history.

However, identifying reliable installment loan applications can be challenging. There are many loan companies in this industry, and while some offer good services, others are opportunistic and deceptive.

As a result, we have listed the top three installment loan apps that can help you get started on the right foot. Let’s dive in!

Top 3 Installment Loan Apps to Get You Started

1. Paydays of the heart

Heart Payday is a popular loan application in the United States. This site offers all of its loan services online and saves you the hassle of in-store loan applications. You can complete the entire application process in five minutes or less.

They offer various loan services, such as loans for bad credit guaranteed approval $ 5000that can help you meet your emergency needs.

This app has a user-friendly interface and practically anyone can handle it comfortably with ease. The site has a good reputation for accepting applicants rejected by other lenders, as their eligibility thresholds are relatively lower than

at most credit institutions. For example, they accept people with bad credit, the unemployed, and those receiving government benefits.

Heart Payday loans typically come with APRs ranging from 5.99% to 35.99%.


  • No paperwork involved
  • same day payment
  • Easy application process


2. Viva Payday Loans

The Viva Payday Loan app is another great option for a fee when you’re cash-strapped. The site offers unsecured loans just a few hours after you complete your application.

Viva Payday Loan has partnered with direct lenders who can meet your loan needs as quickly as possible. Also, these direct lenders offer different loan amounts.

Viva Loans does not perform an intensive credit check when evaluating loan applications, and even people with low credit scores you can get loans with them. Other groups, such as the unemployed and beneficiaries of government support programs, can also apply for Viva Payday loans.

Their payday APRs range from 5.99% to 35.99%. This is mainly because each direct loan lender they have partnered with imposes their rates. One of its main drawbacks is that its services are not accessible in all states.


  • Same day payments
  • Quick and easy application process.
  • Flexible loan amounts from $200 to $5,000


  • Viva Loan services are not available in all US states.

3. Credit Clock

Credit Clock Loan is considered the best for fast loan approvals. They offer their customers a range of loan products such as bad credit payday loans, personal loans, payday loans, etc.

This is the ideal loan lender if you are in urgent and desperate need for quick cash as their fast loan approval process and fast repayment period can save you time.

They offer loans to people with bad credit and even those who receive government benefits. However, you must meet their minimum requirements; You must be 18 years of age or older, show that you earn at least $1,000, and be a US citizen. In some cases, you may need to show that you are employed by presenting your pay stub.


  • Fast application process
  • Same day payments
  • People with poor credit histories can also apply.


  • Only people who earn $1,000 or more can apply for the loans


Knowing that you have a loan option at your fingertips can be an incredible feeling. We often find ourselves in a bind, and going through the loan application procedure at the store can be a long shot in an attempt to fund an emergency. Therefore, having loan applications can make our lives significantly easier.

However, this also exposes us to great temptation. Unlike the traditional loan system, where you have time to think things through before taking out a loan, the new application option gives you the luxury of completing a loan application in just a few clicks. Some people, especially spendthrifts, can end up in cycles of debt.


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