Need more than a small advance to cover an unexpected expense? Superb Cash Advance offers installment loans of up to $5,000 that you can apply for online in minutes, with no hard credit check to get started and funding as soon as the same business day.*
Unlike a single-payment payday loan, an installment loan is repaid in fixed monthly payments over several months, so you know exactly what you owe and when. Approval is based mainly on your income and ability to repay, not a credit score.**
What Is an Installment Loan?
An installment loan gives you a lump sum up front that you pay back in equal monthly payments over a set number of months.
Because the balance is spread out, each payment is smaller and more predictable than repaying everything on a single due date. You know the amount, the schedule, and the total cost before you sign.
What You Can Use an Installment Loan For
People use an installment loan when a one-time expense is larger than a single paycheck can cover. Common reasons include:
- A surprise medical or dental bill
- A car repair or a new set of tires
- Catching up on rent or utilities
- Moving or relocation costs
- Home or appliance repairs
- Spreading out a larger, planned purchase
How to Apply Online in 3 Steps
- Apply online. Fill out the short form with your ID, income, and checking account details. It takes only a few minutes, with no hard credit check to get started.
- Get a decision in minutes. Most applicants receive a quick decision. If approved, you will see a free, no-obligation estimate with your APR, monthly payment, and total cost.
- Get funded. Once you accept, approved funds can reach your account as soon as the same or the next business day.*
How Much You Can Borrow
With Superb Cash Advance you can apply for an installment loan from a few hundred dollars up to $5,000. The amount you qualify for depends on your income, your ability to repay, and the law in your state.
Each state sets its own limits on the amount, rate, and term for a licensed installment loan. See the states where we lend, further down this page, for the rules that apply where you live.
What an Installment Loan Costs
Your cost is made up of the interest rate (APR) and any fees allowed in your state. Installment loans are regulated, so the rate is capped by law in most states.
Before you sign, you receive a free, no-obligation estimate showing the APR, the monthly payment, the total you will repay, and the payment schedule. That way you can compare your options and decide what fits your budget.
What You Need to Apply
- A state-issued ID. A government photo ID showing you are at least 18 and where you live.
- Proof of income. Steady income you can document, often about $800 or more a month. You can show it with your two to four most recent pay stubs, two to three months of bank statements with regular deposits, or, if you are self-employed, your W-2s, 1099s, or tax returns from the past year or two.
- An active checking account. A checking account in your name for the deposit and your automatic monthly payments.
Can You Qualify with Bad Credit?
You do not need good credit to apply. We look first at your income and your ability to repay, not only your credit score, so a thin or imperfect credit history does not rule you out.
Getting a quote uses a soft credit check that does not affect your score. If you move forward, a hard credit check may be run before your loan is funded.
Benefits of an Installment Loan
- Fixed monthly payments that stay the same, so they are easy to plan around.
- More time to repay than a single-payment loan, which keeps each payment smaller.
- Clear terms up front, with your APR and total cost shown before you sign.
- No prepayment penalty, so you can pay early and lower the interest you owe.
- A fast online process, with no hard credit check to get started.
Where Installment Loans Are Available
Superb Cash Advance serves borrowers across many states, and what you can borrow depends on your state’s law. In a few states a single-payment payday loan is not offered at all, so an installment loan is the way to cover a short-term need.
Where payday loans are not available, you can apply for an installment loan of up to $5,000:
- Installment loans in Arizona (up to $5,000)
- Installment loans in Georgia (up to $5,000)
- Installment loans in North Carolina (up to $5,000)
Virginia replaced the old single-payment payday loan with a regulated short-term loan that you repay in fixed monthly installments:
- Short-term loans in Virginia (up to $2,500, with interest capped at 36% a year)
Not sure what applies where you live? Open your state from the list above to see the exact limits, rates, and nearby offices.
Borrowing Responsibly
An installment loan is a real financial commitment, so it helps to borrow only what you need and only when you have a clear plan to repay it.
Make sure you understand the APR, the repayment schedule, and the total cost before you sign, so you can choose a monthly payment that fits your budget.
Frequently Asked Questions
How much can I borrow with an installment loan?
You can apply for an installment loan from a few hundred dollars up to $5,000 with Superb Cash Advance.
The amount you qualify for depends on your income, your ability to repay, and the limits set by your state.
How is an installment loan different from a payday loan?
A payday loan is usually repaid in one lump sum on your next payday. An installment loan is repaid in fixed monthly payments over several months.
Spreading the balance out keeps each payment smaller and more predictable.
Is there a credit check?
Getting a quote uses only a soft credit inquiry, so it does not affect your credit score.
If your loan is approved, a hard credit check may be completed before your loan is funded.
How fast can I get the money?
Most applicants get a decision within minutes. If you are approved, funds can reach your account as soon as the same or the next business day when you apply before 11:30 AM ET.*
What do I need to apply?
You need a state-issued photo ID, proof of steady income you can document, and an active checking account in your name.
Having your pay stubs or bank statements ready helps speed up the process.
Can I get an installment loan with bad credit?
You do not need good credit to apply. We look first at your income and ability to repay rather than only your credit score.
Borrowers with a thin or imperfect credit history are welcome to apply.
How much does an installment loan cost?
Your cost depends on the APR and any fees allowed in your state, and the rate is capped by law in most states.
You always see your exact APR, monthly payment, and total cost before you sign.
Can I pay off my loan early?
Yes. You can repay an installment loan early with no prepayment penalty, which lowers the total interest you pay.
* Funding times depend on your bank and the time your application is approved. ** Approval and terms depend on your income, ability to repay, and the law in your state.
