eLoanVista

Too big for one paydayInstallment loans online, $100 to $5,000

One request reaches a network of lenders. Read every payment and fee before you agree.

  • Free to request, with no obligation to accept
  • All credit types considered by lenders in the network
  • eLoanVista is not a lender and makes no credit decisions

eLoanVista request

No fee

Pick an amount. Lenders in the network answer with their own terms, if they can help.

$100 to $5,000Request range
Next business dayAt the soonest, if approved
FreeTo request

Sent over an encrypted connection. Checking your options does not affect your credit score.

How it works

Four ridges between asking and deciding

Start at the railing and read upward. The near ridge is yours. The far one is the lender's, and you only cross it if the terms suit you.

  1. You are here01

    Ask from the deck

    Choose an amount from $100 to $5,000 and fill in one short form. It costs nothing to send.

    Near ridge
    Free to request
  2. 02

    Lenders study your request

    Your request goes to lenders in the network over an encrypted connection. Checking your options does not affect your credit score.

    Second ridge
    Soft inquiry to check
  3. 03

    Read the whole view

    If a lender can help, it shows you the payment amount, the number of payments, the APR and every fee. Take your time with it.

    Third ridge
    The lender's own terms
  4. 04

    Cross over, or turn back

    Accept only if the payments fit your month. If approved, a lender may send funds as soon as the next business day. Walking away is free.

    Far ridge
    Your decision
Why people ask here

A bigger bill, split into pieces you can see

A crib, a car seat and a stroller rarely wait for the right week. An installment loan spreads one cost over several paydays. Here is what that looks like from the deck.

Even steps, known in advance

An installment loan is paid back in fixed amounts over a set time. You see each step before you take the first one.

Fixed payments, set by your lender

One request, more than one ridge

You fill in one form. Lenders in the network look at the same request, so you are not typing your details into site after site.

One form, a network of lenders

Your score is one marker on the trail

Lenders weigh income, existing debts and the amount you ask for, not only a credit score. All credit types are considered. No lender is obliged to make an offer.

Each lender decides for itself

The gate stays open

Looking is free. If an offer does not fit, close the page and nothing is owed. We are not a lender, so we have no loan of our own to push.

No fee, no obligation
Two views, same deck

An installment loan beside a payday loan

Swing the viewfinder from one to the other. These are general descriptions from the Consumer Financial Protection Bureau, not offers. A lender's own agreement always wins.

View one

Installment loan

Several fixed payments over a set time.

Repaid
In fixed amounts called installments, generally the same throughout the loan.
Size
From several hundred dollars to several thousand dollars or more.
Length
From a few months to several years.
Extra costs
Fees are often added, such as an origination fee or late fees. Check the loan disclosure.
Source: CFPB, What is a personal installment loan?
View two

Payday loan

Usually one payment, due on your next payday.

Repaid
Usually in a single payment on the next payday, though some are set up in installments.
Size
Generally five hundred dollars or less. Many states set a limit.
Length
Typically due two to four weeks from the day the loan is made.
Extra costs
State fee caps range from ten to thirty dollars for every $100 borrowed.
Source: CFPB, What is a payday loan?

Lenders in the network may offer either kind, depending on your state and your request. The offer itself tells you which one you are looking at.

See the payment, the fee and the totalbefore you take a single step

That is the whole idea of a lookout
Costs

What a small loan can cost, in plain numbers

We do not set prices and cannot quote yours. This worked example comes from the Consumer Financial Protection Bureau. Your lender sets the real terms.

CFPB example, two week payday loanExample only
Amount borrowed
$100
Fee charged
15 dollars
Due in
Two weeks
Works out to an APR of
Almost 400 percent

The same page notes that credit card APRs range from about 12 percent to about 30 percent. An installment offer will show its own APR, which can be lower or higher than this example.

Source: CFPB, What is a payday loan? Opened 11 November 2026.

On an installment offer, look for these

The CFPB lists common fees that can be added to the total cost of a personal installment loan.

  • An origination fee
  • A documentation fee for processing the paperwork
  • Credit insurance, which is generally optional
  • Late fees if a payment is missed
Source: CFPB, Do personal installment loans have fees?

Your lender sets the real terms. Read the APR, the payment amount, the number of payments and the total before you sign.

Trail markers

Four words printed on every installment offer

Know these and the rest of the page reads itself.

InstallmentThe step
One of the fixed payments. Same amount each time on most loans, due on a schedule the lender gives you in writing.
PrincipalThe climb
The amount you borrow, before interest and fees are added.
TermThe distance
How long you have to repay. A longer term usually means smaller payments and more interest paid in total.
APRThe gradient
The yearly cost of the loan as a percentage, with interest and certain fees counted in. It is the fairest single number for comparing two offers.
Questions

Asked at the railing, answered straight

Short answers first. The guides further down go deeper.

What is an installment loan vs a payday loan?

An installment loan is repaid in fixed amounts over a set time, from a few months to several years. A payday loan is usually a smaller loan repaid in one payment on your next payday, typically within two to four weeks. Both descriptions come from the Consumer Financial Protection Bureau. Your offer will say which kind it is.

Are installment loans bad for credit?

Not by themselves. Lenders may report your payments to the credit reporting companies, so payments made on time may help and missed payments can hurt your scores. Checking your options here does not affect your credit score. A lender you go ahead with may run a credit check of its own.

Can you have a payday loan and an installment loan at the same time?

It depends on where you live and on each lender. Rules differ by state, and every lender decides for itself. Be truthful about existing loans on any request. Two loans also mean two sets of payments coming out of the same paychecks, so add both up before you agree to a second one.

Where can I get an installment loan online with bad credit?

Banks, credit unions and online lenders all offer installment loans, and each sets its own credit rules. Through eLoanVista, one request reaches a network of lenders that consider all credit types. No lender has to make an offer, and a lower score can mean a higher cost. Compare any offer with a credit union's before you accept.

Is eLoanVista a direct lender?

No. eLoanVista is not a lender. We run a free request service that passes your request to lenders in our network. If one of them makes an offer, that lender is the one you borrow from, and its agreement sets the amount, the payments, the APR and the fees.

How much can I request, and how soon could money arrive?

You can request from $100 to $5,000. Not every lender offers the full range, and loans are not available in every state. If a lender approves your request and you accept, it may send funds as soon as the next business day. Timing is up to each lender and your bank.

Are online installment loans legit?

Many are offered by licensed lenders, but check before you sign. Look the lender up with your state regulator, read the loan disclosure, and never pay a fee up front to get a loan. A real lender shows you the APR and the payment schedule before you agree. eLoanVista charges you nothing.

Plainly

What stands on this deck, and what does not

You should know who you are dealing with before you type a word. We are a request service. We are not a lender.

Paper cutout of a baby stroller, the kind of cost people spread out with an installment loan request from $100 to $5,000

On the deck: what we do

  • Pass one request to lenders in our network
  • Charge you nothing to send it
  • Send your details over an encrypted connection
  • Say openly that lenders pay us when we introduce a borrower

Off the deck: what we never do

  • Lend money or set any loan terms
  • Make credit decisions for any lender
  • Promise an offer, an amount or a date
  • Ask you for a fee at any point
Guides

Longer looks, for when you have ten minutes

Three plain guides built on the questions people type about installment loans.

Paper cutout of a child car seatGuide 01

Carrying a payday loan and an installment loan together

What changes when two lenders are paid from one paycheck.

Paper cutout of a baby crib with slatted sidesGuide 02

What an installment loan does to your credit

Inquiries, reporting and the part that is in your hands.

Paper cutout of a day bag hanging on a wall hookGuide 03

The fees that ride along with an installment loan

Origination, paperwork, insurance and late fees, and where to find them.

Back at the railing

The view costs nothing

Send one request for $100 to $5,000, see what lenders in the network say, and decide from where you stand.

Go to the request formFree to request. No obligation. eLoanVista is not a lender.
$100 to $5,000, free to requestTo the form