Get Cash in Minutes!

How it Works:

Getting quick loans and borrowing money instantly at Minute Loan Center is fast and stress-free, whether you apply online² or in-store. If your bank does not accept the Minute Money transaction, we’ll provide a FREE ACH transfer¹.

Be a Minute Loan Center VIP

We believe you’re more than your credit score.

Why Minute Loan Center?

We’ve been a leader in solving short-term cash crunches for over 25 years.

When the majority of Americans don’t have $500 to cover an emergency³, we are there to provide a better solution than PayDay Loans.

Minute Loan Center VIPs can:

Most Americans need better access to credit.

Whether You’re:

• Fully Employed
• In-between work
• A business owner
• Managing a monthly household budget

An Installment Loan:

1. Allows for larger potential credit limits than other types of short-term loans such as payday loans.
2. Grants more time to pay down the loan.
3. Every payment pays down part of the amount borrowed, so you are always paying down your quick loan with each and every payment.
4. Always know how much you owe, how many payments are due, and how much each payment will cost.

A line of credit is more flexible than online installment loans, payday loans, or title loans.

1. Apply once, and use the funds when you need them.
2. Generally offers larger credit amounts and lower payments.

A line of credit lets you apply once and access as much of your credit limit as you need, whenever you need it.

Currently available in Delaware & Utah.

If you are in a state with both products available, it’s natural to wonder: How do I choose between an installment loan and a line of credit?

Installment Loan

• 1) You have a short-term need for a quick loan.
• 2) You know exactly how much you need to borrow.

Line of Credit

• 1) You want to have access to funds, but do not know how much you need.
• 2) You want the comfort of knowing you have access to funds for an emergency without needing to apply for a same-day loan each time.

What about payday loans vs. online installment loans?

Payday loans can seem like a good option in a short-term cash crunch. But there are alternatives.

When faced with a short-term emergency, many people turn to payday loans. Payday loans, however, are generally limited to smaller amounts and must be paid off on your next payday. If you cannot make the payment, many lenders have you pay the fees on your loan and issue you a new one to pay the previous one, and so on. 

This creates two significant challenges:

• 1) You may not be able to find a payday loan to borrow as much as you need.
• 2) The balloon payments mean you can end up paying for a loan that you aren’t paying down.

Our online loans and Line of Credit services solve these problems by providing more time to pay, options to borrow larger amounts, no balloon payments, and no penalty for paying early.

How much can I borrow?

How much you can borrow with a same-day loan and how much it costs are determined by factors including state regulation, your ability to pay, and other underwriting features. For many, an installment loan provides a better credit solution than a traditional payday loan.