Apply For A Fast Personal Loan Online – Choose your State

Loan offerings vary by state. Choose your state to learn about your personal loan options.

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What is a Minute Loan Center Installment Loan?

A Minute Loan Center installment loan is an unsecured short-term loan to help you out with emergency expenses. It’s one of the simple fast loans people take to handle life’s unexpected events such as car repairs, home repairs, or other short-term needs. Fast loans like these help people avoid costly bounced-check fees or late payment fees. Minute Loan Center exists to provide these personal loans online to help keep your credit in check.

Same day loans

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

Same day online loans

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:

Identification badge

A government issued ID

Plus sign
Debit Card

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.

Our Loan Offerings

Installment Loans

An installment loan, also known as a signature loan, is one of our online personal loan options enabling a borrower to access a loan up to $5,000 (or less, amounts vary by state), and the money is paid back over a set period of time. They can be particularly helpful for short-term financial emergencies such as home or car repair, medical or dental bills, or avoiding bank overdraft fees.

If you think a personal installment loan could help you, Minute Loan Center’s fast loans can have money in your bank account as soon as the same day.*

Lines of Credit

A Line of Credit is an agreement between lender and borrower. The borrower prequalifies for an amount of money that they can borrow against when they need it. When they do borrow against the amount, they agree to repay the amount borrowed (principal), with interest, in regular payments like a credit card. They can also borrow more at any time against the total, just not more than the total available from their Line of Credit.

If a more flexible online personal loan sounds like it could help you, a Line of Credit from Minute Loan Center could be the solution for you. With a Minute Loan Center Line of Credit, you can prequalify for your credit line and access advances when you need them.

Woman hugging dog wearing sunglasses.

A Minute Loan Center Personal Loan can be used for:

Emergency Cash

Emergency Cash

Fast loans can be used to settle emergency expenses like medical bills, vehicle repairs, emergency home maintenance, family emergencies, virtually any incident that can make life suddenly difficult.

Pay Advance

Pay Advance

Can’t make it to the next payday? Apply for this personal loan online and get cash in your hand in minutes.

Debt Consolidation

Debt Consolidation

Bills out of control? Combine them into one payment with a simple fast loan, so you can always know the amount amount and number of payments left. Most importantly, with every payment you’re paying down the principal.

Avoid Check Overdraft Fees

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 the 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.


What is an installment loan?

A MLC installment loan is an unsecured short-term loan to help you with emergency expenses like medical expenses, car repairs, or other unexpected events. By applying for our fast loans, you avoid costly bounced-check fees or late payment fees.

What is the difference between a payday loan and an MLC installment loan?

Payday loans and installment loans are both short-term personal loans applied online to help with emergency expenses. A payday loan, also known as a Cash Advance Loan, requires the borrower to pay the amount of the loan (principal) plus a fee (interest) in full at the end of the term, which is usually only one pay cycle. An installment loan offers greater flexibility by spreading the payments out over a longer time period. Minute Loan Center installment loans offer the flexibility of more time to repay the loan with no penalty for paying the loan off early.

Can I get an installment loan with bad credit?

Bad credit is not typically an issue with installment loan applications. Don’t be afraid that you could be turned down based on your credit history only. We aim to be a source of ready financial help for all applying for personal loans online. Besides, installment loans are not taken out by persons struggling financially only. Even persons with stellar credit ratings apply for our simple fast loans.

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 seek them. *Please note: Minute Loan Center will never report your credit history to the major credit bureaus: Transunion, Equifax, or Experian.

Are there restrictions on what I can use the money for?

Just as with your salary, you have the freedom to use your fast loan money however you deem fit. Unlike banks and credit unions that place frustrating limitations on what the money can be used for, we leave money usage to your discretion.

Will you contact my employer when collecting installments?

No. We will never contact your employer when collecting payment.

What about Credit Checks?

Many lenders promise no credit checks for personal loans online 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 help 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 fast loan 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.

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