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An installment loan is a type of funding that is paid back, bit by bit, over time. The lender determines the fees and interest associated with the loan. You may be able to use the money for a variety of purposes, including debt consolidation, emergency expenses, and medical payments. Some OpenPayday.com customers are connected with companies that offer payday loans. This type of funding is different from an installment loan in that the loan term for a payday loan is usually much shorter (around two weeks).


Before a lender qualifies you for a payday or installment loan, they may check to see if you:

  1. Are at least 18 years old and a resident of the U.S.
  2. Have a valid bank account.
  3. Receive at least $800 per month through a reliable income source.

If you have bad credit, charge-offs, or have suffered a prior bankruptcy, you may still qualify for funding by requesting a loan through our online form.