An installment loan is a type of loan where you borrow a fixed amount of money and repay it over a
set period of time through regular, scheduled payments, typically monthly. Unlike payday loans or
short-term loans, installment loans give you the flexibility to repay the loan in multiple installments,
which can make it easier to manage your finances. The loan amount, interest rate, and repayment
term are agreed upon upfront, so you’ll know exactly what to expect. Installment loans are
commonly used for personal expenses, medical bills, home improvements, and even debt
consolidation.
You can apply for a loan by filling out our easy online application form. Simply provide your personal
details, and our team will review your request and contact you with next steps.
Our friendly customer service team is available Monday through Saturday to assist you with your
application and fund loans as quickly as possible. The approval process typically takes between 1 and 12
business hours, but can very depending on the accuracy and completeness of your application. Give us
a try and see why thousands trust Lending Creative.
Interest rates vary based on your credit profile, loan type, and term. Further, our returning customers
can receive loyalty incentives and discounted rates. After submitting your application, you’ll receive an
interest rate tailored to your specific circumstances.
Yes! At LendingCreative, we work with individuals with varying credit histories. While your credit score
can affect loan approval and terms, we offer options for those with bad credit or limited credit history.
The loan amount you qualify for depends on factors like the type of loan, your financial situation, and
your payment history with Lending Creative. Loans range between $200 and $2,000. Our team will
work with you to determine a loan amount that meets your needs.
LendingCreative strives to keep costs transparent. We do not charge any processing or late fees and we
have no prepayment penalties on any of our loans. We do however charge a borrowing fee. All
fees will be clearly outlined before you sign any agreement.
Yes, you can pay off your loan early without penalty. In fact, early repayment can save you money on
interest.
Once your loan is approved, the funds will be deposited directly into your bank account. Most loans
receive a deposit the same business day, but depending on your bank and the time your loan was
approved, it can take up to 3 business days for the deposit to arrive. Our Customer Service Team is
available to provide estimates based on your application and bank.
Yes, we offer loan refinancing options that may help you lower your interest rate or adjust the terms of
your loan. Contact us to discuss your specific refinancing needs.
If you miss a payment, please reach out to us as soon as possible. We may be able to provide a solution
or set up a payment plan. However, missing payments may result in additional fees. We’re here to help,
don’t hesitate to give us a call!
Yes, LendingCreative is committed to transparency, ethical lending practices, and customer satisfaction.
We are licensed and regulated, and our team is dedicated to finding the right financial solutions for
our clients.
You can reach our customer service team by phone at 800-660-2377 or email at
[email protected]. Visit our Contact US page for more information about how to reach our
team.
You can login to your Lending Creative Account to make or schedule online payments. In addition, our
Customer Service Team is available to assist with an early payoff by phone at 800-660-2377.
We strongly encourage you to pay off your loan as quickly as possible. Lending Creative does not charge
any early payoff penalties or fees. Paying your loan early will greatly reduce your overall borrowing
costs.
More Questions?
Please contact our friendly, professional customer support team.
