Long-term fast loans to repay in monthly installments

Installment loans to pay in months

List of long-term fast loans with which we can return the money in monthly payment installments . Most are credits to be paid in installments with a repayment period of more than 12 months . We have also included a loan to be repaid in months with a lower repayment period that we consider may be interesting.

You can use Paydaynow to improve your installment loans too.

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Loan Amount and term Terms
Fintonic
Since
4.75%
Maximum APR
21.95%
€ 50,000 from 1,000 8 years from 3 Months
  • Cost of € 30,000 over 60 months: € 6,626.34
  • Without endorsement
  • Personal finance mobile app
  • No commissions
  • Without changing banks
  • 100% online
More info See Offer
Final conditions according to credit profile Entity: Fintonic Maximum first loan: From € 1,000 to € 50,000 Repayment period : From 3 Months to 96 Months Response time: 5 minutes Time to obtain the money: Less than 24 hours Is the first credit free? NO Cost: € 30,000 for 60 months: € 6,626.34
(APR 4.75%)
Characteristics and requirements: With payroll Without endorsement Does not accept Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Bank transfer
Younited Credit
Since
9.39%
Maximum APR
19.957%
€ 50,000 from 1,000 7 years from 6 months
  • Cost of € 50,000 for 84 months: € 17,588.92
  • No payroll or endorsement
  • Fixed interest rate
  • They require little documentation
  • Necessary stable income
  • They charge management fees
More info See Offer
Fixed and stable rate Entity: Younited Credit Maximum first loan: From € 1,000 to € 50,000 Repayment period : From 6 months to 84 months Response time: 48 hours (From the arrival of the complete file) Time to obtain the money: 7 days approximately Is the first credit free? NO Cost: € 50,000 for 84 months: € 17,588.92
(APR 9.39%)
Characteristics and requirements: No payroll No endorsement Credit Checker not accepted Minimum age: 18 years Does it allow early cancellation? YES, total or partial. Is there a possibility of an extension? YES (Expenses: Fees) Ways to receive the money: Bank transfer
Welp
Since
42%
Maximum APR
3.057%
€ 7,500 from 50 4 years from 1 month
  • Cost of € 400 for 3 months: € 82.54
  • Without endorsement
  • Transfer on the day
  • Bank account required
  • Has Instantor
  • Early cancellation option
More info See Offer
Credit up to € 7,500 to be returned from 1 to 48 months Entity: Welp Maximum first loan: From € 50 to € 7,500 Repayment period: From 1 month to 48 months Response time: Minutes Time to obtain the money: 24 / 48h Does the first credit is free? NO Cost: € 400 for 3 months: € 82.54
(APR 42%)
Characteristics and requirements: With payroll Without endorsement Does not accept Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? NO (Expenses: NO) Ways to receive the money: Bank transfer
Fidinda
Since
79.8%
Maximum APR
85%
Accept Credit Checker
€ 5,000 from 500 2 years from 3 months
  • Cost of € 5,000 for 24 months: € 3,654.92
  • Without endorsement
  • Quick installment loans
  • Recurring income
  • Open credit line
More info See Offer
Installment loans up to € 5,000 Entity: Fidinda Maximum first loan: From € 500 to € 5,000 Repayment period : From 3 months to 24 months Response time: 15 minutes Time to obtain the money: 1 hour Is the first loan free? NO Cost: € 5,000 for 24 months: € 3,654.92
(APR 79.8%)
Characteristics and requirements: With payroll Without endorsement Accepts Credit Checker Minimum age: 25 years Does it allow early cancellation? YES Is there a possibility of an extension? Yes, possibility of grace period for a month (Expenses: Interest generated) Ways to receive the money: Bank transfer
Credit
Since
24.9%
Maximum APR
381.28%
€ 5,000 from 500 3 years from 2 months
  • Cost of € 5,000 over 36 months: € 1,907.32
  • No payroll or endorsement
  • Flexible loan
  • Installment payments
  • Minimum income € 700
  • Early cancellation with interest savings
More info See Offer
Line of credit up to € 5,000 Entity: Creditea Maximum first loan: From € 500 to € 5,000 Repayment period : From 2 months to 36 months Response time: Immediate Time to obtain the money: 15 minutes if banks coincide, otherwise 24 / 48h Is the first credit free? NO Cost: € 5,000 for 36 months: € 1,907.32
(APR 24.9%)
Characteristics and requirements: No payroll No endorsement Credit Checker not accepted Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Fees + initial amount of the loan) Ways to receive the money: Bank transfer
Fianceo
Since
199%
APR
Accepts Credit Checker
€ 1,000 from 100 18 months from 1 month
  • Cost of € 1,000 to be returned in 18 months: € 1,132.64
  • No payroll
  • With endorsement (Natural person)
  • Few requirements
  • Money in 24 hours
  • Cheaper with early cancellation
More info See Offer
Up to € 1,000 with solidarity guarantor Entity: Fianceo Maximum first loan: From € 100 to € 1,000 Repayment period : From 1 month to 18 months Response time: 24 hours Time to obtain the money: 24 hours Is the first loan free? NO Cost: € 1,000 to be returned in 18 months: € 1,132.64
(APR 199%)
Characteristics and requirements: Without payroll With endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? NO Ways to receive the money: Transfer
Moneyman
Since
0%
Maximum APR
3.113%
Free / No Interest Accepts Credit Checker
400 € from 100 62 days from 5 days
  • Free 30-day loan
  • Cost from € 400 to 62 days: € 198
  • No payroll or endorsement
  • Up to € 400 to be returned in 62 days with cost
  • Cost extension options
  • Response in 15 minutes
More info See Offer
€ 300 to 30 days without interest Entity: Moneyman Maximum first loan: From € 100 to € 400 Return period: From 5 days to 62 days Response time: 15 minutes Time to obtain the money: Between 15 minutes and 48 hours The first credit is free? YES
€ 300 for 30 days
Cost: € 400 for 62 days: € 198
(APR 0%)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES, 7, 14, 21 or 30 days (Expenses: Fees) Ways to receive the money: Bank transfer
Installment loan intermediaries and intermediaries
Kreditiweb
APR
According to entity
Accepts Credit Checker
€ 50,000 from 100 7 years from 30 days
  • Unspecified cost
  • Without endorsement
  • They use the Swipe Credit app to analyze profile
  • Response in 2 minutes
  • Free advice
  • They function as mediators
More info See Offer
Personal loan up to € 50,000 Entity: Kreditiweb Maximum first loan: From € 100 to € 50,000 Repayment period : From 30 days to 84 months Response time: Minutes Time to obtain the money: 48 hours Is the first credit free? NO Cost: Not specified
(Variable APR)
Characteristics and requirements: With payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Bank transfer
Infocredy
APR
According to entity
Accepts Credit Checker
€ 10,000 from 100 5 years from 30 days
  • WARNING: This entity is charging a commission of € 39.90 just for the service
  • Unspecified cost
  • No payroll or endorsement
  • Personalized loans according to profile
  • Available 24 Hours
  • Debt negotiation
  • They are intermediaries, they do not grant loans
More info See Offer
WARNING: This entity is charging a commission of € 39.90 only for the service They charge a fee of € 39.90 for the service Entity: Infocredy Maximum first loan: From € 100 to € 10,000 Repayment period : From 30 days to 60 months Response time: 15 minutes Time to get the money: 48 hours Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Costs generated) Ways to receive the money: Transfer
Misolvency
APR
According to entity
Accepts Credit Checker
€ 10,000 from 50 5 years from 5 days
  • Unspecified cost
  • No payroll or endorsement
  • Advisory service
  • Few requirements
  • Allow extension
  • Custom offers
More info See Offer
They compare options in minutes Entity: Misolvency Maximum first loan: From € 50 to € 10,000 Return period: From 5 days to 5 years Response time: From 15 minutes Time to obtain the money: From 10 minutes Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: With cost) Ways to receive the money: Transfer
Finzmo
APR
According to entity
Accepts Credit Checker
€ 10,000 from 500 5 years from 91 days
  • Unspecified cost
  • No payroll or endorsement
  • Personal loan in minutes
  • Free service
  • Immediate response
  • They function as mediators
More info See Offer
Immediate personal loan Entity: Finzmo Maximum first loan: From € 500 to € 10,000 Repayment period : From 91 days to 60 months Response time: 5 minutes Time to obtain the money: From 15 minutes to 48 hours Is the first credit free ? NO Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Bank transfer
Your fast credit
APR
According to entity
Accepts Credit Checker
€ 9,000 from 50 5 years from 7 days
  • WARNING: This entity is charging a commission of € 37.99 just for the service
  • Unspecified cost
  • No payroll or endorsement
  • Installment loans without paperwork
  • Flexible payments
  • Financial advice
  • They function as intermediaries
More info See Offer
WARNING: This entity is charging a commission of € 37.99 only for the service Up to € 9,000 with Credit Checker Entity: Your fast credit Maximum first loan: From € 50 to € 9,000 Repayment period: From 7 days to 60 months Time of answer: On the same day Time to obtain the money: 10 minutes if banks coincide. Is the first loan free? NO Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Costs generated) Ways to receive the money: Bank transfer
Request24
APR
According to entity
Accepts Credit Checker
€ 5,000 from 100 42 months from 2 months
  • Unspecified cost
  • No payroll or endorsement
  • Urgent mini-loans
  • You get offers of various loans
  • Online mediator
  • Fast answer
More info See Offer
Installment loan with Credit Checker Entity: Request24 Maximum first loan: From € 100 to € 5,000 Repayment period: From 2 months to 42 months Response time: 15 minutes Time to obtain the money: From 15 minutes to 48 hours The first credit is free? NO Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Fees generated) Ways to receive the money: Bank transfer
Prestamon
APR
According to entity
Accepts Credit Checker
€ 1,000 from 100 120 days from 91 days
  • Unspecified cost
  • No payroll or endorsement
  • Money in 24 hours
  • No additional costs
  • In 15 minutes
  • Is an intermediary
More info See Offer
Personal loan up to € 1,000 Entity: Prestamon Maximum first loan: From € 100 to € 1,000 Repayment period: From 91 days to 120 days Response time: 15 minutes Time to obtain the money: 24 hours Is the first loan free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Transfer
Pezetita
APR
According to entity
Accepts Credit Checker
€ 1,000 from 100 90 days from 61 days
  • Unspecified cost
  • No payroll or endorsement
  • Free online service
  • Response in minutes
  • Few requirements
  • It is an intermediary does not grant loans
More info See Offer
Up to € 1,000 regardless of Credit Checker Entity: Pezetita Maximum first loan: From € 100 to € 1,000 Return period: From 61 days to 90 days Response time: Minutes Time to obtain the money: 48 hours Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Costs generated) Ways to receive the money: Transfer
Credit Party
APR
According to entity
Accepts Credit Checker
€ 1,000 from 100 90 days from 61 days
  • Unspecified cost
  • No payroll or endorsement
  • 100% online and paperless
  • Immediate response
  • Money in 2 hours
  • They do not grant loans directly
More info See Offer
Loan up to € 1,000 instantly Entity: Fiesta Credit Maximum first loan: From € 100 to € 1,000 Repayment period: From 61 days to 90 days Response time: 15 minutes Time to obtain the money: 24 hours Is the first credit free ? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Bank transfer
AndaCredit
APR
According to entity
Accepts Credit Checker
€ 1,000 from 100 90 days from 61 days
  • Unspecified cost
  • No payroll or endorsement
  • Fast online loans
  • Money in account or in cash
  • They function as mediators
  • They do not charge for the service
More info See Offer
Up to € 1,000 in 5 minutes Entity: AndaCrédito Maximum first loan: From € 100 to € 1,000 Return period: From 61 days to 90 days Response time: 5 minutes Time to obtain the money: Immediate according to banks but 24 / 48h Does the first credit is free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Bank transfer
SunCredit
APR
According to entity
Accepts Credit Checker
€ 1,000 from 100 120 days from 91 days
  • Unspecified cost
  • No payroll or endorsement
  • 100% online process
  • Required minimum income
  • Response in 15 minutes
  • They do not grant loans directly
More info See Offer
First loan up to € 1,000 Entity: SolCrédito Maximum first loan: From € 100 to € 1,000 Repayment period : From 91 days to 120 days Response time: 15 minutes Time to obtain the money: From 2 to 24 hours Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Fees generated) Ways to receive the money: Bank transfer
Zapo
APR
According to entity
Accepts Credit Checker
€ 1,000 from 50 90 days from 7 days
  • Unspecified cost
  • No payroll or endorsement
  • Personalized advice
  • Early cancellation interest savings
  • Available 24 hours
  • Few requirements
More info See Offer
Credits 100% online even being in Credit Checker Entity: Zapo Maximum first loan: From € 50 to € 1,000 Return period: From 7 days to 90 days Response time: 24 hours Time to obtain the money: 48 hours The first credit It's free? NO Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? NO Ways to receive the money: Transfer
Microcredits24es
APR
According to entity
Accepts Credit Checker
750 € from 50 90 days from 60 days
  • Unspecified cost
  • No payroll or endorsement
  • Easy approval mini-credits
  • No paperwork
  • Instant response
  • They are mediators
More info See Offer
Up to € 750 even with Credit Checker Entity: Microcreditos24es Maximum first loan: From € 50 to € 750 Repayment period: From 60 days to 90 days Response time: Minutes Time to obtain the money: 48 hours Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Fees generated) Ways to receive the money: Transfer
Loans online
APR
According to entity
Accepts Credit Checker
750 € from 50 90 days from 61 days
  • Unspecified cost
  • No payroll or endorsement
  • It can be requested 24/7
  • Response in 10 minutes
  • Required monthly income
  • Does not grant loans directly
More info See Offer
Online loans on the spot Entity: Prestamosonlineya Maximum first loan: From € 50 to € 750 Repayment period: From 61 days to 90 days Response time: 10 minutes Time to obtain the money: 10 minutes Is the first credit free? NO Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Transfer
Crezu
APR
According to entity
Accepts Credit Checker
€ 300 from 100 90 days from 61 days
  • Unspecified cost
  • No payroll or endorsement
  • Money in account, card or cash
  • Required monthly income
  • Immediate response
  • Is an intermediary
More info See Offer
First credit up to 300 € Entity: Crezu Maximum first loan: From € 100 to 300 € Repayment period: from 61 days to 90 days Response Time: 15 minutes Time to get the money: Immediate by banks if 24 / 48h Does first credit is free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Costs generated) Ways to receive the money: Transfer or card
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Not sure which loan to choose?

We help you totally free and without obligation to find the credit that best suits your needs.

If you want to know the most current offer of fast long-term loans, consult our list

Characteristics of installment loans

This type of online loans offer us greater flexibility when making the payment of your return. And it is that among its main characteristics is the possibility of allowing us to request higher amounts to be returned in installments .

Therefore, this type of financing will allow us to determine the interval of the repayment period that interests us the most, being able to choose to contract a short or long-term loan , depending on the amount requested and how the state of our finances is.

It is also a type of financing that guarantees us the monthly payment of a certain amount with a fixed interest rate, which will prevent us from having to suffer variations in the final amount of the monthly payment that we have to assume.

In addition to these characteristics of this type of financing, loans to be repaid in months also meet the characteristics of many of the online credits such as: their immediacy, the fact of avoiding paperwork, or the option of obtaining loans regardless that we are in Credit Checker, we do not have a payroll, or we do not have or any type of guarantee.

Undoubtedly, online installment loans are an opportunity to get that financing that we need with little paperwork and all the facilities so that we can comply with your repayment.

Types of online installment loans

car, house, money bag, cards

The main characteristic of credits to pay in installments is that we can make the payment of your return in several installments or monthly payments. Although as a link all installment loans coincide in facilitating their repayment, we can differentiate different types of credits depending on the amount and the repayment time they offer us.

Below we detail the main types of installment loans and their main characteristics:

Personal installment loans

Personal loans are usually used to carry out work or private projects for any purpose. This type of financing also offers us the opportunity to obtain significant sums of money that we can return in months.

  • We can get amounts from 2,000 to 40,000 US dollars to carry out personal projects,
  • They allow us to return the money in installments from 36 to 96 months.

Loans with guarantee or endorsement

If we are interested in applying for this type of credit such as loans with a mortgage guarantee or loans in which we deposit our vehicle as collateral , it is necessary that we are the owners of the assets that guarantee us.

  • Home equity loans offer us up to 60% of the total value of the home,
  • They allow us to return the money in installments up to 20 years,
  • The loans in which we use a vehicle as collateral, the amount that we can obtain will correspond to a percentage of the value of its appraisal and allow us to make its repayment in installments up to 36 months.

If it happens that you do not have properties or guarantors capable of guaranteeing your ability to pay, you may be interested in resorting to loans without collateral , another type of financing that will also allow us to contract a repayment in installments.

Credit cards

Credit cards allow us to use a certain amount of money whenever we want at any time.

  • Credit cards allow us to return the money in installments,
  • We can get amounts ranging from 5,000 US dollars,
  • The financial market offers us a wide variety of credit cards adapted to our needs.

And now also mini-credits to return in months:

These are fast online credits that offer us more than 30 days to make your return.

  • From 300 to 1,000 US dollars to be returned in installments,
  • To be returned from 60 days to 26 weeks,
  • Online credits offer us the money we need without requirements or paperwork,
  • We receive the money transfer instantly.

We recommend that you evaluate all the loans available to you, always without forgetting to pay attention to the conditions of a loan before it is hired .

How to request a loan to be repaid in installments?

If you are thinking of applying for one of these credits and you have doubts about the procedures that you have to follow, then we explain the steps that we have to follow when managing an online installment loan application .

To begin, we recommend analyzing and comparing the financing conditions of the different credit institutions. Once you decide which company interests you the most, you can access their website and start the simulation process in which you will have to indicate the amount you need and the return period , and after which we can check the associated expenses and interests.

In the case of being satisfied, we will be able to access the application form in which we will have to indicate our personal and banking details required by the company to analyze our solvency capacity.

As soon as the entity resolves our request we will be informed about it . Although these are generally immediate responses, the final response time will depend on each entity.

In case of approval, they will ask us to verify the data of our request by sending documents online, or access to online banking. Before receiving the money we will have to return the contract with our signature to the entity, after which the company will transfer the agreed amount to our account immediately .

Requirements for loans to be repaid in months

The requirements to request a loan to be repaid in installments will be more or less restrictive depending on the type of loan in question. Below we detail the requirements that most lenders that grant long-term loans coincide:

  • Applicant's age : to request a loan to be repaid in installments, we must meet the minimum and maximum age required by the lender. The usual thing is that the minimum age range is established from 18, 21 or 25 years, and the maximum accepted age range is established from 60 to 75 years,
  • Spanish residence : it is necessary to have residence in the United States to be able to access any type of installment loan,
  • Minimum demonstrable income : to have access to any type of installment credit we will have to demonstrate our solvency capacity. To do this, it will be necessary to accredit a minimum fixed income that ensures that we can face the repayment of the loan,
  • Being in Credit Checker or other delinquent files : for some companies that grant installment loans, that our data does not appear in Credit Checker will be a necessary requirement to take into account our loan request. Other entities, on the other hand, will not consider a problem that our data is registered in files of defaults.

In relation to the contracting of credit cards, some banks may require us to open a checking account or direct our payroll with them.

The application requirements that we will have to meet in order to have access to installment loans will depend on the characteristics of each type of loan and the internal policies of the company that grants it.

What documentation do I need to present?

As we mentioned before, it may happen that some entities ask us to justify some of the data provided in the online application form.

In this case, the usual thing is that we have to document our identity by presenting the DNI or NIE. It is also common to have to justify the income we receive , and that may vary depending on the situation that we prove: if we are self-employed, employed, pensioners, unemployed, etc.

Another of the companies' requests is that they ask us to verify the status of our accounts , for this they may ask us to provide the access data to our online banking, or to present a bank statement with the latest movements.

Although it is merely a matter of verifying that we comply with the conditions required in their policies, to grant us the financing we request, it will be advisable not to delay this process if we need the loan urgently

When to request a loan to be repaid in months?

Installment loans are associated with high amounts of money that we cannot return in a single payment , as is the case with mini-credits.

The cases in which we resort to this type of financing are associated with large sums of money that we need to return in installments .

The payment of the credit in installments allows us a more comfortable and flexible return, which nevertheless generates more interest as it lasts over time .

Therefore, we may or may not be interested in applying for an installment loan, depending on the use we want to give the money, our economic situation and priorities when it comes to obtaining financing.

How long do we have to return the money in installments?

calendar

Installment loans establish the number of installments based on the amount of money we request and the conditions of each lender.

In this way, we will have more or less time to make the return depending on the type of credit that we request .

For example, if we request a quick loan of up to € 2,000, the repayment period we will have to make your return will be a few months. If, on the other hand, we request a personal loan of up to 40,000 US dollars, we could have up to 36 months to make your return.

Don't forget that ...

The time we have to make the return of a long-term loan ranges from a minimum of 2 or 3 months, to a maximum of 6 years.

The amount of money we request and the financing conditions of the entity to which we go will determine that we have more or less time to repay the loan.

In any case, in the event of possible problems to comply with the return of our quota on time, both private credit entities and banks will positively value that we notify them with enough time to negotiate a payment alternative.

But what alternatives do we have to avoid default?

  1. Request for a grace period : we negotiate under what conditions we can stop paying,
  2. Request for an extension : extend the return period and pay less for a longer time.

Installment Loan Payment Protection Insurance

Payment protection insurance for installment loans assumes the payment of part or all of the loan installments that we insure, in cases in which situations of unemployment , temporary disability or even death occur.

The choice of whether or not to contract payment protection insurance when we request an installment loan is a personal decision that we must consider depending on our personal and financial circumstances. Sometimes it happens that it is the financial institutions that grant us the loan who link this type of insurance to the contracting of credit without providing enough information.

For this reason, it is recommended that in the case of contracting a payment protection loan we pay attention to all the details of your coverage included in the insurance policy. Only in this way can we avoid taking out insurance that we do not need, or of which we do not know the qualities of its protection.

We can expand more content and information about the payment protection insurance for loans in our Blog.

Cost of installment loans

The final cost of an installment loan will depend on its commissions and the interest rate applied. Therefore, to help us make the decision of which loan is more advisable, we must not only look at the minimum TIN set at 5.50% (Nominal Interest Rate), but we must pay attention to the APR (Annual Equivalent Rate) in which includes the applied interest plus all commissions .

It is also essential that we obtain advice on the possible commissions that may be associated with contracting an installment loan:

  • Study commissions linked to their approval,
  • Opening commissions and formalization expenses,
  • Fees for early cancellation of the loan,
  • Commissions for delay in the event of payment delays.

Although the total cost of a loan to be repaid in installments depends on the conditions set by the lender at the time of its contracting, we will assume the payment of the interest that we generate until its amortization.

Not all long-term loans offer us the same amounts of money or the same conditions. These would be some examples of installment loans that we can have: personal loans, project loans, bank loans, or loans with endorsement .

All of them, installment loans with their own characteristics and specific conditions that coincide in the flexibility of the payment of their installments.

What happens if one month we cannot pay the fee?

In the event that one month we cannot make the payment of the installment, we will have to assume charges for late payment interest, fees or other charges as established in the fine print of our contract .

The most advisable thing when we cannot pay, is to contact the entity's customer service to inform about our situation, and agree on a solution agreed between both parties.

When the non-payment of the debt is prolonged in time, the credit institutions resort to different mechanisms in order to carry out their collection such as sending official notifications, reporting our data to delinquent files such as Credit Checker, and even taking actions legal.

To avoid this type of consequences, when faced with a problem of this type, it is advisable to inform the loan company as quickly as possible to resolve the problem through some kind of agreement.

Advantages and disadvantages of online installment loans

Before deciding to hire any type of financing, it is recommended to study its pros and cons, to have a broader perspective before making any decision.

In this case, requesting an installment loan entails a series of advantages and disadvantages that we show you below:

Main advantages of applying for an installment loan:

  • Flexible repayment : this type of financing offers us the possibility of dividing your payment into monthly installments that are easier to assume,
  • Loans for higher amounts : requesting an installment loan gives us the option of obtaining a higher amount than we would receive if we requested a fast loan of another type.

In addition, requesting an installment loan entails another series of advantages such as the possibility of obtaining a loan without paperwork, easily and quickly. That is, the advantages of any type of online credit.

Main disadvantages of applying for an installment loan:

  • It is necessary to justify fixed income: to obtain an installment loan we will have to prove that we have recurring income that guarantees the payment of its return,
  • Cost increase based on the chosen repayment term: this type of credit to be repaid in installments allows us to choose between a long or short term, according to which the final cost of the contracted loan will be more or less increased.

Installment loans allow us to adopt a type of installment payment that is easier to assume. However, postponing payment over time increases the final cost of the loan.

Therefore, it is convenient to study all the financing conditions and decide on the loan that is most favorable to our personal and economic situation.

Installment loans with Credit Checker

In the field of installment loans, being on a list of defaulters as Credit Checker (National Association of Credit Financial Establishments) does not prevent us from obtaining the granting of our installment credit .

In any case, we must be aware that our economic situation involves risks for many of the companies that may reject our application for this reason.

To get an installment loan with Credit Checker we will have to meet the requirements demanded by the credit institution and demonstrate our solvency capacity. If we pass your risk analysis, we will be in a position to receive our loan that we can repay in months .

All types of installment loans can be found with Credit Checker. Which means that there is a great offer of credits to pay in installments regardless of Credit Checker:

  • Fast installment loans with Credit Checker,
  • Personal installment loans,
  • Credit cards,
  • Secured loans.

Unlike fast loans with Credit Checker , installment loans allow us to repay the money in installments , which is an advantage when we need to pay the money back little by little.

Installment loans are usually associated with high amounts of money , which can be of great help to assume important expenses of money, which we can repay more easily in monthly installments.

However, we must take into account that installment loans generate a series of interests that we will have to face with the payment of their return. These interests increase when we are in Credit Checker, since finance companies usually apply a series of more restrictive financing clauses associated with our insolvency profile .

Be that as it may, requesting an installment loan when we are in Credit Checker is a decision that we must make responsibly. In the case of doubts about our ability to meet the payment of the fees, it will not be recommended that we contract new debts.

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Comments and opinions

Mercedes Valles Figueres 01/13/18
Hi! These credits are deceiving since they tell you without payroll and the first thing they ask for is the monthly salary. I have a pension and could pay in installments every month a credit of 1500 but everyone has rejected it.
regbiomed.com 02/09/18
Hello Mercedes, you can visit the list of Loans without payroll and without endorsement on our website and find credits for the amount you are looking for and even higher.
Michelangelo Melling 04/30/18
Hi. I have requested a loan of 2000 US dollars in all the loan or credit websites and none of them grant it to me. They tell me they can only give me 250, 300, etc. I am in Credit Checker. I have a payroll of 1200 per month and even so they deny it to me. If I resort to these financial institutions, it is assumed that it is because they are not as demanding with the papers as in a bank. I need that loan urgently. Thank you.
regbiomed.com 05/09/18
Most of the companies that offer loans with Credit Checker require that the debt is not bank and specify the pending amount that they accept, when they are new clients the amounts granted by the entities are lower, as the level of confidence increases if we are good payers increases the amount of loans they grant. You can visit the list of loans with Credit Checker and find information on how to exit Credit Checker in 48 hours
odin aviles 05/15/18
Hi, I'm Cuban. Please, I need an urgent loan of 60000 usd to pay in 10 years, thank you very much
regbiomed@outlook.com 05/18/18
Hello Odin, you can visit the long-term loans section and the debt reunification section of our website where we can analyze your case and obtain detailed information about this type of loan
Salvador Castellá 08/22/19
I am looking for a personal loan of € 9000 that I can pay perfectly and there is no way to find someone who will pay me.
regbiomed.com 09/26/19
Hello Salvador, to obtain € 9,000 you can enter our list of installment loans and try with Bondora, Younited or Fintonic if you do not have a Credit Checker. If you do not have a good credit history, you can request it through Finzmo, which acts as a free intermediary.
Maria Vanesa Fernandez Perez 03/16/20
I need the money urgently
RegBio Loan 03/17/20
Hello María Vanesa, we lack data to know which loans to recommend, any of the entities that we have on our page can offer you a quick response of the credit approval, once the form is completed. If the loan has been approved, the transfer of the money awarded is a matter of hours, always taking into account banking operations.If you have questions or need us to help you, you can contact our chat service from Monday to Thursday from 10am to 7pm and Friday from 10am to 3pm.
arming 05/21/20
I need the loan before Monday
RegBio Loan 05/21/20
Hi Armando. We would like to help you find that loan you are looking for. Please contact us through our chat service and we will be happy to guide you to find the loan that interests you the most. You can also consult our loan listings and access specific information about the financing conditions of different companies. Thank you for contacting us.
Josue Mendoza 09/21/20
Good morning my question is if I am from another country in El Salvador, is there a financial institution where you can recommend me, thank you
RegBio Loan 09/21/20
Hello Josue, the loan entities that operate in United States agree that they require their clients to be able to prove their permanent residence in United States.

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