Pre Approved Installment Loans

Installment loans are an ideal option for immediate financial needs with long-term repayment terms. Submit your request and get your pre-approved installment loan quotes now!

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  • Any Credit Score Considered
  • Swift Approval Decision
  • Safe & Secure

I Saw "Pre-Approved Installment Loans" A Lot, Are They Real?

The term “pre-approved” usually appears on credit card limit offers, where banks will perform automatic regular credit profile checks for each credit card holder and provide “pre-approved” limit increase offers for potential reliable users based on their financial records. But “pre-approved installment loans” is a different situation, and it is usually not a solid statement, rather than a promotional strategy.

When the lenders advertise "pre-approved," "pre-qualify," or "guaranteed approval" loans, they typically still perform a soft credit check, if not a hard credit check to assess your creditworthiness and use that information when deciding regarding your loan quests. In other words, you will only receive “pre-approved loan offers” after the financial institution has already pulled your credit profile.

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How Do Pre-Approved Installment Loans Work?

Just like any other online installment loan, online lenders within the network of US Installment Loans require you to submit your basic information and financial documents. Unlike banks, these online lenders may know your credit score, but they don’t have access to your baking statement or payment history, so they will check your creditworthiness and assess your overall eligibility based on the submitted information, and then they may or may not get back to you with an offer.

In some cases, even if pre-approved, lenders may still reject your requests if they see significant negative changes in your financial information.

Can I Get Pre-Approved Installment Loans Online?

US Installment Loans can help you have a hassle-free application experience if you want to take out a pre-approved installment loan. The process generally involves the following steps:

  1. Submit Information - Submit your information using our SSL encrypted online portal.
  2. Compare Installment Loan Offers - Compare loan offers from our partner lenders and decide which offer to pick.
  3. Review Documents - Review and sign online documents to confirm the terms and services.
  4. Get Funds - If you're approved, you'll typically receive the funds to your bank account as soon as the next business day of submission.

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Why Should I Choose US Installment Loans To Get Pre-Approved Installment Loans?

Choosing US Installment Loans to find the right installment loan for your needs gives you several advantages:

Fast Approval

Looking for instant payday loans? We got you. After submitting your information to us, we will share your information with our partner lenders, who will then immediately review your submission and give you a quick decision on your application.

Huge lender network

We partnered with reputable industry-leading installment loan lenders in the country. With our huge network of lenders, you can receive more loan offers to compare.

Instant Funding

We know you want loans for urgent needs. As soon as your application for an installment loan is approved, you can receive the funds from your bank as soon as the next business day.

Information security

Our website uses advanced encryption technology to ensure that the information you submit to us is safe and secure. While there is no 100% security guarantee when your data is transferred over the Internet, we work tirelessly to ensure that your data is protected.

Bad Credit OK

Many of our partner lenders will consider your application even if you don't have a spotless credit history. They will assess your overall financial condition other than your credit score when making a decision about your application.

How Does US Installment Loans Compare?

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How much do I qualify for?Up to $35000Competitive rates
What's the max loan length?Up to 36 monthsFast decisions
Do lenders check my credit?YesSoft credit checks
All credit levels accepted?YesBad credit doesn't matter
Chances of approvalGoodHigh approval rates
When am I allowed to apply?24/7 onlineEasy application
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How Does Online Loan Pre Approval Hurt My Credit?

Online loans with pre-approval generally will not hurt your credit score. Many online lenders that offer installment loans perform soft credit checks to get an idea of your creditworthiness, and this type of credit check will not affect your credit score.

However, some lenders conduct a hard credit check as part of their approval process. Hard credit checks are recorded in your credit report as a credit inquiry, which will hurt your score. Nevertheless, constantly repaying your loans afterward can gradually improve your credit score, and you can apply for loans with better conditions and larger amounts in the future.

Furthermore, there are different ways that can help rebuild your credit over time. For instance, paying your regular bills on time can significantly boost your credit scores, in fact, payment history accounts for 35 percent of your credit score. Conversely, if you miss your payments, it can negatively impact your score.

Can I Get An Online Pre-Approved Installment Loan With Bad Credit?

It's not impossible to get an online bad credit installment loan even if your credit score falls below what is considered good. Even more, at US Installment Loans, many lenders within our network offer all sorts of bad credit loans, such as emergency loans, personal loans, and title loans.

It's important to note that for most bad credit lenders, your credit score is one determining factor of how much you can borrow and at what interest rate. Generally, the lower your score, the lower you can borrow at a higher APR. That said, it helps your application if you can show that you have good employment history and a stable income.

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Submit Your Requests Now and Get Installment Loan Offers With Competitive Interest Rates!

It only takes a few minutes to submit your information to us. You can then access our huge network of lenders that may have the right installment loan offer that suits your needs.

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