Apply for Your
Funding Zest arranges installment loans and we’ll match you with qualified lenders that have loans to repay in one month or five years in equal monthly installments.
You’ve got options even if you have bad credit or want a no credit check loan. Funding Zest can get you the money you need. From $100 to $35,000. We offer you a fast turnaround. Your money can be in your bank within 24 hours, if not in minutes. Use our ‘Apply Now’ buttons to get started.
It’s a Great Day To Get
from Funding Zest
Funding Zest can match you with the best lender to give you good terms and interest rates for your situation. We’re a connection service. We will match you up with a reputable lender across the United States. Unlike other brokers, we don’t charge a fee for this service.
Our process is online so it’s incredibly simple and quick. And if you’re looking for an installment loan that’s three months, six months, or more, that’s no problem. You’re not obligated, just asking for the loan. Apply – It won’t even impact your credit score because of our special soft-search process.
Which type of loan is right for you? Payday, emergency, or installments. Funding Zest has them all.
Use Funding Zest’s 100% online application for a simple, speedy instant decision.
Money in the Bank
If your application is approved your lender will send funds to your bank within one working day!
What Is An Installment Loan?
An installment loan is a loan that can be repaid over a course of repayments, rather than having to be paid back in one go. Funding Zest provides installment loans in the form of payday loans, with the option to repay your loan over the course of up to 60 months.
Want to repay early?
Not a problem.
If you’ve sorted your financial situation after a just month or two and you want to go ahead and pay off the debt, you’re welcome to do so. This helps you save money overall because there’s less interest accrue
How Do I Start My Installment Loan Application?
Our application is an online platform. There are no fees for applying. Tell us the length of the loan that you need, whether it’s a month, three, six or more. We’ll find what works for you, with no impact on your credit score.
First step: Submit your application. Consider the amount that you need to borrow and how long you want to keep it. Knowing that will help you complete your online application quickly. Sometimes, in under five minutes.
Step two. We give you our answer right away. The answer pops up on the screen for whether or not you receive the loan. If you want to go forward with that loan, you electronically sign the loan agreement that we send you.
Step three: If you’re approved, the funds land in your bank within hours or by the next working day. So how do installment loans work? You’re able to spread your repayments over several months or pay in Installments. That’s what installment loans are. They give you the flexibility to pay over a period of time that works for you. It gives you the time to get all your finances in order. You don’t feel pressured to pay the entire loan back right away, like many payday loans.
Installment loans can be secured or unsecured secured. Secured loans mean that you put up some collateral, like a car, house, or anything of value. Which asset you put up for collateral depends on how much you want to borrow, how long you’re borrowing it for, and your credit score.
Installment loans can last only a couple of weeks or several months. Fundings Zest lets you choose. So if it’s nine months, 18 months, 36 months, or up to five years, you have the option.
Can I Find An Installment Loan With Funding Zest Near Me?
Yes. We work with lenders all across the United States. Wherever you live, we can help you get the product that works for you. We have trusted lenders from the West Coast to the East Coast and everywhere in between.
We only work with lenders that are legally operating in your state. We work with national providers as well so you can get the best of all worlds.
The very best part is that you can do this from your sofa. You don’t have to go to a store and you don’t have to pick up a phone. Everything’s done online using your tablet, your laptop, or your cell phone.
Am I Eligible To Take Out An Installment Loan?
Yes, installment loans require that you match some basic criteria. You’re not being singled out. These are the same requirements for anyone who applies. You must:
- Be a US citizen
- Be over 18 years old
- Have a bank account that can receive funds
- Earn at least $800 per month s
- How that you can afford to make repay monthly Installments
- Have no record of recent bankruptcy
- Have a cell phone and email address to help verify your loan
If You Fit the Installment Loans Eligibility Requirements…
Let’s get started finding a loan for you.
Do Installment Loans Affect My Credit?
The answer is ‘Yes’. But there are conditions. Your installment loans can help build your credit if you make your payments on-time and consistently. Payments you make on a loan get reported to the credit bureaus such as Transunion, Experian and Equifax. Your history of making payments accounts for 35% of your credit score. So, you can be sure that paying your installment loans on time can help improve your credit history and in turn, your credit score.
On the flip side, if you miss payments or are late repaying, your credit history can be severely affected. For example: any payment made more than 30 days late can take off 50 to 100 points from your credit score. The good news is a lot of lenders can set up automatic payments for you so being late won’t be a worry.
What Can I Use My Installment Loan For?
Generally, people use their installment loans for emergencies, like car problems, paying off credit card bills, a leaky roof, broken boiler, and, heaven forbid, a medical emergency.
This type of installment loan can be used for anything you want. Use it for a wedding, vacations, and a new car.
Even use an installment loan for business purposes. (i.e. paying staff, getting inventory, company tax bill, etc.).
Are Installment Loans Available For People With Bad Credit?
Yes. Fundings Zest offers installment loans for those with a credit history that’s less than stellar. A number of our lenders serve customers with poor credit and some with no credit even no credit history at all.
Installment loans are great for people with bad credit who are trying to get their finances in order. You can make repayments over several months instead of immediately to get back your financial stability.
While Funding Zest does offer unsecured loans, if you have bad credit or no credit, you may find you need to put up some collateral in order to get larger amounts. Collateral could be jewelry, your house, or your car. Collateral needs to have a value equal to or greater than the loan you take out so the lender knows they can recoup the money lent to you.
Poor credit borrowers often find they need to pay higher interest rates. This is because they have no history showing a good repayment record. Oftentimes, they will find that the amount they can borrow is smaller but the length of time to borrow could be a little longer to give a little more space.
We have lenders who handle those too!
If you are looking for an installment loan that doesn’t require a credit check it is possible to get a secured loan or auto loan. For these loans, you put up collateral with enough value for the loan., The lender will use your collateral to securely lend you funds. Thus making your credit score less important.
So, it’s possible that no credit check is required. However, for most loan applications a credit check is almost automatic. Lenders want to see this before approving any loan. Even Installment lenders need to know that you can repay your loan. They want to be assured that taking out this new loan won’t burden you too much or give you too great a financial problem.
A quick credit check tells the potential lender whether or not you have other loans outstanding or have bad debt. These will influence their decision.
Payday Loan | FAQs
- Can I get a Payday Loan with Bad Credit?
- What's The Maximum and Minimum I Can Borrow ?
- How Long Can I Take to Repay my Funding Zest loan?
- Is Funding Zest's Application Service Free?
- Can I Get a Payday Loan with No Credit Check?
- Is Funding Zest a Lender?
Funding Zest will consider your no credit check loan application, but a credit check is automatically carried out for all borrowers.
Payday loan amounts with Funding Zest range from $100 to $35,000.
You can set up a repayment schedule that pays off your loan in 1 month all the way up to 60 months in equal monthly installments to stretch out your repayments.
You can always repay early if you would like to. If you do, you can save on interest.
Yes! Try it for FREE. We never charge a fee for pairing you with the best lender for your financial situation. We do receive a commission from your lender once they’ve successfully delivered your loan to you.
Funding Zest will consider all credit histories.
Our lending partners will almost always carry out a credit check. This helps them determine if you are eligible for a cash advance. Credit checks are used to make sure that you can afford loans that are personal or unsecured. Such as a cash advance. If you are declined by one partner because of your credit score, there are others that we work with that are willing to look at loans for people with bad credit.
Sometimes loans are offered that don’t require a credit check and instead use collateral against the loan, such as a car or property to help you borrow money, like a Title Loan.
Funding Zest is a broker meaning that we pair you with the best lenders for your financial needs.