Top 3 Installment Loan Apps to Get You Started

Loan apps are gradually replacing traditional loan agencies or credit unions. Today, traditional loan institutions struggle to cope with the convenience and seamless process of these apps. Furthermore, these apps and online lenders accept applicants regardless of their credit background.

However, identifying reliable installment loan apps can be difficult. There are many lending firms in this industry, and while some offer great services, others are opportunistic and deceptive.

As a result, we’ve listed the top three installment loan apps that can get you started on the right foot. Let’s dive!

The Top 3 Installment Loan Apps to Get You Started

1. Heart Paydays

Heart Payday is a popular loan app in the United States. This site offers all its loan services online and saves you the hassles involved with in-store loan applications. You can complete the entire application process in five minutes or less.

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

This app has a user-friendly interface, and almost anyone can conveniently maneuver it with ease. The site is reputable for accepting applicants rejected by other lenders, as its eligibility limits are somewhat lower than

in most lending institutions. For example, they welcome people with bad debts, the unemployed, and those receiving government benefits.

Typically, Heart Payday loans have APRs ranging from 5.99% to 35.99%.


  • No paperwork included
  • Same day payout
  • Easy application process


2. Viva Payday Loan

The Viva Payday Loan app is another great option for an installment when you are short of money. The site offers non-guarantor loans only a few hours after your application is completed.

Viva Payday Loan has partnered with direct lenders who can meet your loan needs as quickly as possible. Furthermore, these direct lenders offer different loan amounts.

Viva Loans does not conduct a thorough credit check when reviewing loan applications, and be people with poor credit scores can secure loans with them. Other groups, such as the unemployed and beneficiaries of government support programs, can also apply for a Viva Payday loan.

Their payday APR is from 5.99% to 35.99%. This is mainly because every direct loan lender they have partnered with charges their rates. One of their main drawbacks is that their services are not accessible in all states.


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


  • Viva Loan services are not accessible in all US states

3. Credit Clock

Credit Clock Loan is considered the best for quick loan approval. They offer their clients a range of loan products, such as bad credit payday loans, personal loans, emergency loans, etc.

This is the ideal loan lender if you are in a hurry and in dire need of quick money, as their quick loan approval process and quick repayment period will save you time.

They offer loans to people with bad credit and even to those receiving government benefits. However, you must meet their minimum requirements; you must be over 18 years old, prove that you earn at least $ 1,000, and be a US citizen. In some cases, you may need to prove that you are employed by submitting your payslip.


  • Fast application process
  • Same day payments
  • People with poor credit background are also allowed to apply


  • Only people earning $ 1,000 or more can apply for loans


Knowing that you have a loan option within reach of your phone can be an incredible feeling. We often find ourselves in crowded places, and going through the loan application process inside the store can be a long time in trying to finance an emergency. Therefore, having loan apps can make our lives easier.

However, it also exposes us to intense temptation. Unlike the traditional loan system, where you have time to think things through before taking out a loan, the new option in the app gives you the luxury of completing a loan application in a few minutes. just click. Some people, especially those who spend, can end up in debt cycles.