Personal Funding

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What is a Minute Loan Center Installment Loan? 

Gives you a longer term to pay back the amount plus interest.

Offers larger amounts than other types, like “Payday” Loans.

Provides fixed payment amounts, so you always know how much you need to pay

Apply for Funds Fast, Stress-Free and No Risk. It’s As Easy As…


Get funds online or in-store (where available).


Fill out a quick application and get approval the same day.*


Get funds in minutes.**

* Funding applications submitted during store hours are generally reviewed within minutes of receipt.
** Minute Money funding can be virtually instant to your debit card. However, sometimes a time delay can occur due to your bank. Additionally, not all bank debit cards accept Minute Money funding.

What You Need to Apply:

A government issued ID

Active Checking Account/ Debit Card

Don’t have your bank statements handy? No problem. We can verify your proof of income electronically both in-store and online.

More Personal Funding

Why You Should Consider Minute Loan Center.

A MLC Personal Loan is an installment loan with a fixed number of payments. Other funding types can change the amount of payments and the amount you owe if anything happens that might delay a payment.

How a personal installment or signature loan works.

They are called Installment Loans because unlike Payday Loans, they are paid over time (installments). Moreover, they are sometimes called Signature Loans because they require no collateral. In short, this means you do not have to risk losing your car like with a Title Loan.

All you need after approval is a signature to get your funds. You, as the borrower, receive your money (called principal) and agree to pay back that money along with interest (Think of it as the cost of borrowing the money) over a selected period of time or in installments. So whether you see it as an Installment or a Signature Loan, these types of personal funding provide more flexibility than PayDay Loans and less risk than Title Loans.

A Minute Loan Center Personal Loan can be used for:

Emergency Cash

Medical bills, car repairs, home repairs, virtually any kind of accident can make life suddenly difficult.

Pay Advance

Can’t make it to the next payday? Apply quickly and get cash in your hand as soon as the same day.

Debt Consolidation

Bills out of control? Combine them into one payment, where you know the amount and number of payments. Most importantly, with every payment paying down principal.

Avoiding Check Overdraft Fees

An overdraft fee is often one of the most expensive fees from the bank, however not all financial institutions charge the same amount.

Minute Loan Center can help. We are in your neighborhood and offer SPEEDY underwriting and funding as fast as same day!**

**Funding requires verification of application information. As a result, funding may be extended up to two business days, depending on the ability to verify this information.

Want To Build Your Credit History?*

On time payments can improve your credit with us and make you eligible to receive lower interest rates and higher borrowed amounts should you need them.

What about Credit Checks?

Many lenders promise no credit checks and they use a variety of non traditional ways to determine your credit with them. As a result, this could result in higher fees and less borrowing power from some no credit check lenders. While MLC never uses a traditional credit score, we do get data from credit agencies to check various data points that helps us work with people who may think their credit is too challenged to qualify. This data helps us find a way to provide the best funding we can offer to help our valued customers. Consequently, this enables us to say “Yes 97% of the time. And when your goal is to help people when they need short term funds, this ensures we can help more people.

Considering a Payday Loan?

Also referred to as Cash Advance Loans, they provide smaller amounts of money, where the money (principal) and a small fee (interest) are due on the next payday. However, an Installment funding could be a better option for you as they do not have to be paid in full at payday. In addition, this gives you the flexibility to pay off over time and even creates smaller payment sizes based on your borrowed amount and interest.

*To clarify, Minute Loan Center does not report your credit history to the major credit bureaus; Transunion, Equifax , or Experian.