Installment loans · $200 – $5,000Borrow once.
Pay in equal steps.
One fixed payment a month, a payoff date you can see from day one, and every dollar of cost on the page before you sign. That's a Zebit installment loan.
Estimate at a representative 35.99% APR. Your lender's APR may be lower or higher; the exact payment appears on your offer. Checking your rate does not affect your credit score.
What an installment loan is — and isn't
You borrow a set amount, it lands in your checking account, and you repay it in equal monthly payments until a fixed payoff date. The interest rate never changes, the payment never changes, and there is no balance that quietly rolls over.
- Fixed. Same payment every month, same APR all the way through.
- Finite. A real end date — unlike a credit card or a payday loan that renews.
- Unsecured. No collateral, no title, no co-signer.
- Reported. Many lenders in our network report on-time payments to a credit bureau, so the loan can help your file.
What a payment looks like
Four common amounts at our representative 35.99% APR. Pick the term that fits your month, not the one that pays off fastest.
- 12 months
- $251/mo
- 24 months
- $148/mo
- Total at 12 mo
- $3,014
Payments rounded to the dollar. Representative example: $2,500 borrowed for 12 months at 35.99% APR = 12 payments of $251.17, total repaid $3,014. Lenders in our network set their own APRs, which vary by state and credit profile and can be higher than shown. How rates and fees work · Full calculator
Cash for the thing that just happened
An installment loan is for a specific, finite need — not an open line to dip into. These are the reasons people come to Zebit most.
- The car that won't start before a shift Car repair
- A medical bill the insurer only half covered Medical bills
- Rent, a deposit, or a utility shutoff notice Rent & utilities
- A leak, a furnace, a broken appliance Home repair
- Three high-rate balances into one payment Debt consolidation
Need the full $5,000?
Not every lender in our network goes to $5,000, and the ones that do look harder at three things. Line them up before you apply and your odds go up.
- 01Income that covers the payment comfortablyLenders generally want the monthly payment well under a fifth of your take-home pay. At $295/mo over 24 months, that's roughly $1,500+ a month after tax.
- 02A checking account with a few months of historyRegular deposits and no recent string of overdrafts matter more than your score.
- 03A state that allows itSome states cap small-dollar loans below $5,000. Your offers will show what's available where you live.
Four steps, one afternoon
Tell us what you need
Amount, income, checking account. About three minutes, no documents to upload for most people.
~3 minSee your offers
A soft credit check that doesn't touch your score. Each offer shows APR, term and payment.
MinutesReview and sign
Pick the offer that fits and e-sign with the lender. Every fee is disclosed before you commit.
Same dayGet funded
Money is deposited to your checking account, often the next business day. Payments draft automatically.
Next business dayInstallment loan vs. the usual suspects
Credit card cash advances, lease-to-own and credit-union alternatives are on the full comparison. If a cheaper route exists, we'd rather you take it — see alternatives.
Quick answers
How much can I borrow?
Requests run from $200 to $5,000. The amount a lender offers depends on your income, bank history and your state's limits. Many first-time borrowers are offered $500 to $2,000 and more after on-time payments.
What are the repayment terms?
3 to 24 months, repaid in equal monthly payments drafted from your checking account. There is no prepayment penalty — paying early cuts the total interest you pay.
What APR will I get?
APRs start at 5.99% for the strongest profiles. Our representative example uses 35.99%: $2,500 over 12 months is 12 payments of $251.17, $3,014 in total. Rates vary by lender, state and credit profile, and some lenders charge considerably more; the exact APR is on your offer before you sign. Rates & fees
Do I need good credit?
No. There is no minimum credit score to apply. Lenders weigh steady income and an active checking account more heavily than a FICO number, so fair, poor and thin files are considered. Expect a higher APR than a prime borrower would see. Bad credit loans
How fast is funding?
Sign before the lender's cutoff and funds usually reach your checking account the next business day. Weekend signings generally fund on Monday or Tuesday.
Is this the same as Buy Now, Pay Later?
No. An installment loan is cash in your bank account repaid monthly over 3–24 months. Buy Now, Pay Later finances one purchase at checkout over about 6 months. Use the loan for bills and cash needs; use BNPL when you're buying an item.
See your installment offers
Three minutes, a soft credit check, and real numbers from lenders in our network — APR, payment and payoff date, before you decide anything.
Checking your rate does not affect your credit score.