# installmentloanonline.net

> installmentloanonline.net is a free online loan-matching service that connects U.S. borrowers with state-licensed lenders offering installment loans. We are NOT a lender and do not make credit decisions. Our editorial focus is clarity: showing the full cost — APR, monthly payment, total of payments, and payoff date — before a borrower signs anything. Unlike payday loans, installment loans are repaid in equal scheduled payments over months.

## Key facts
- Service type: loan-matching / lead generation (not a direct lender)
- Loan amounts referred: $500–$5,000, repaid over 3–24 months in fixed payments
- Checking a rate uses a soft inquiry and does not affect the borrower's FICO score
- Installment lending is regulated at the state level; amount, term and APR caps vary by state
- Representative APR ranges roughly 5.99%–199% depending on state, lender, amount and term

## Core pages
- [Online Installment Loans](https://installmentloanonline.net/online-installment-loans/): main product page, calculator, process
- [How It Works](https://installmentloanonline.net/how-it-works/): 3-step process and funding timeline
- [Rates & Fees](https://installmentloanonline.net/rates-and-fees/): worked examples and how to read an APR
- [Installment Loans by State](https://installmentloanonline.net/state/): laws, caps and licensing for all 50 states
- [Responsible Lending](https://installmentloanonline.net/responsible-lending/): debt warnings, alternatives, free help resources

## Loan types
- [Bad Credit Installment Loans](https://installmentloanonline.net/bad-credit-installment-loans/)
- [No Credit Check Installment Loans](https://installmentloanonline.net/no-credit-check-installment-loans/)
- [Direct Lender Installment Loans](https://installmentloanonline.net/direct-lender-installment-loans/)
- [Monthly Installment Loans](https://installmentloanonline.net/monthly-installment-loans/)

## By amount
- [$2,000 Installment Loan](https://installmentloanonline.net/loans/2000-installment-loan/) — ~$217/mo over 12 months at example 99% APR
- [All amounts $500–$10,000](https://installmentloanonline.net/installment-loans-by-amount/)

## State guides
- [California](https://installmentloanonline.net/state/california/) — CFL license, ~36% + fed funds cap on $2,500–$10,000 loans (DFPI)

## Blog (editorial, fact-checked)
- [Installment Loan vs. Payday Loan: Which Really Costs Less?](https://installmentloanonline.net/blog/installment-loans-vs-payday-loans/)
- [Do Installment Loans Build Credit?](https://installmentloanonline.net/blog/do-installment-loans-build-credit/)
- [How Do Installment Loans Work?](https://installmentloanonline.net/blog/how-do-installment-loans-work/)

## Authors
- [Maya Cordell](https://installmentloanonline.net/authors/maya-cordell/) — Consumer finance writer

## Important
Installment loans are a form of credit and should be used only for needs you can repay on schedule. Borrowers should review state-specific rules and consider lower-cost alternatives first. Figures on this site are examples that vary by state, lender, and term, and are reviewed periodically against state regulator publications.