Top 3 installment loan apps to get you started

Lending apps are gradually replacing traditional credit agencies or credit unions. Today, traditional lending institutions struggle with the convenience and seamless processes of these apps. Additionally, these apps and online lenders accept applicants regardless of their credit history.

However, it can be difficult to identify trustworthy installment loan apps. There are many lending companies in this industry and while some offer good services, others are opportunistic and deceptive.

That’s why we’ve listed the top three installment loan apps to get you started on the right foot. Let’s dive in!

The top 3 installment loan apps to get you started

1. Heart Paydays

Heart Payday is a popular credit app in the United States. This website offers all of their loan services online, saving you the hassle of in-store loan applications. You can complete the entire application process in five minutes or less.

They offer various loan services such as: bad credit loan guaranteed approval $5000which can help you meet your emergency needs.

This app has a user-friendly interface and practically everyone can maneuver it conveniently and easily. The site is known for accepting applicants who have been rejected by other lenders as their eligibility thresholds are relatively lower than

in most credit institutions. For example, they accept people with bad credit, the unemployed, and recipients of government benefits.

Typically, Heart Payday loans have an APR of between 5.99% and 35.99%.


  • There is no paperwork
  • Same day payout
  • Easy application process


2. Viva payday loan

The Viva payday loan app is another great option for paying in installments when you are short on cash. The site offers no-guarantee loans just a few hours after completing your application.

Viva Payday Loan has partnered with direct lenders who can meet your borrowing needs as soon as possible. In addition, these direct lenders offer different loan amounts.

Viva Kredit does not carry out an intensive credit check when checking loan applications and even does so people with bad credit to secure loans from them. Other groups of people, such as the unemployed and beneficiaries of state subsidy programs, can also apply for Viva payday loans.

Their payday APRs range from 5.99% to 35.99%. This is mainly because every direct lender they work with imposes their interest rates. One of their main disadvantages is that their services are not accessible in all states.


  • Same day payouts
  • The simple and fast application process
  • Flexible loan amounts from $200 to $5,000


  • Viva Loan services are not available in all US states

3. Credit clock

Credit Clock Loan is considered to be the best for quick loan approvals. They offer a range of credit products to their customers such as:

This is the ideal lender if you are in urgent and urgent need of quick cash as the fast loan approval process and fast withdrawal time can save you time.

They offer loans to people with bad credit and even to those who receive government benefits. However, you must meet their minimum requirements; You must be over 18 years of age, show proof of earning at least $1,000, and be a US citizen. In some cases, you will need to prove your employment by submitting your pay slip.


  • Fast application process
  • Same day payouts
  • People with poor credit ratings may also apply


  • Loans can only be applied for by people earning at least $1,000


Knowing that you have a loan option within reach of your phone can be an amazing feeling. We often find ourselves in a difficult situation, and going through the in-store loan application process can go a long way toward funding an emergency. Therefore, credit apps can make our life much easier.

However, this also exposes us to a great temptation. Unlike the traditional lending system where you have time to think things over before taking out a loan, the new app option gives you the luxury of completing a loan application in just a few clicks. Some people, especially spendthrifts, could get into cycles of debt.

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