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All Loan Types

Nine products from $200 to $5,000. They differ in how long you take to repay, what it costs, and whether anything is pledged as security.

Nine products, one range: $200 to $5,000. They differ in how long you take to repay, what it costs and whether anything is pledged as security. Pick by how much you need and how quickly you can repay it, not by the name.

All nine compared

LoanAmountTermRepresentative APRBest for
Payday loans$200–$1,00014–30 days261%–652%One bill before your next paycheck
Cash advance loans$200–$750Next payday261%–652%Small, urgent costs
Same day loans$200–$2,50030 days–12 months59%–400%When speed matters most
Emergency loans$200–$5,00030 days–24 months59%–400%Unplanned expenses
Installment loans$500–$5,0003–24 months59%–199%Predictable monthly payments
Personal loans$1,000–$5,0006–36 months17.99%–35.99%Lowest cost, fair credit or better
Bad credit loans$200–$5,00014 days–24 months59%–400%No minimum credit score
Debt consolidation loans$1,000–$5,0006–36 months17.99%–35.99%Combining several balances
Title loans$500–$5,00030 days–24 months60%–150%Larger amount, you own a vehicle

APRs are representative ranges across the states we serve. Your rate is set by your state, income and credit profile and appears in your offer before you accept anything. Full detail on rates and terms.

Browse another way

By amount

$200 · $300 · $500 · $1,000 · $2,000 · $5,000

By what you need it for

Car repair · Medical bills · Rent & utilities · Home repairs · Moving costs · Vet bills

By how you are paid

Self-employed · Gig workers · 1099 contractors · Social Security · Disability & SSI · Part-time · No pay stub

By how the money reaches you

Debit card funding · Prepaid card · Works with Chime

Secured or unsecured

Eight of the nine are unsecured: nothing is pledged and the decision rests on income and credit. Only the title loan is secured, against a vehicle you own outright. That brings a larger amount or a lower rate, and the risk that default costs you the vehicle.

Frequently asked questions

Which loan type should I choose?

Start from the amount and how quickly you can repay. Under $1,000 repayable from one paycheck suits a payday loan. More than one paycheck can absorb suits an installment loan. With fair credit or better, a personal loan costs considerably less.

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

A payday loan is repaid in one payment within 14 to 30 days. An installment loan is repaid in equal monthly payments over 3 to 24 months, so the balance falls with every payment and the annualised cost is lower.

Which loans are reported to credit bureaus?

Installment and personal loan payments, including debt consolidation loans, are reported to one or more major credit bureaus. Payday and cash advance loans are not.

Do you offer secured loans?

Only title loans, which are secured against a vehicle you own outright. Every other product is unsecured, with nothing pledged.

Borrow $200 to $5,000 for any purpose

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