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Installment Loans: $100–$5,000 | Fast Approval | Soft Credit Check

Get the funds you need with flexible terms and transparent rates. Bad credit considered. Quick application process with no obligation.

Prequalifying uses a soft credit check that won't impact your score. If you accept an offer, the lender may perform a hard inquiry.

$100–$5,000 • 3–24 months (≥61 days) • Max APR (US): 35.95% • Example: $1,000 @ 24% for 12 mo ≈ $94.56/mo (~$1,134.72 total) • Not available in NY, VT, AR, WV
256-bit SSL
2-min application
Soft credit check
Trusted by thousands nationwide

How It Works

Get matched with lenders in three simple steps

1

Complete Application

Fill out our secure 2-minute form with your basic information. No impact to your credit score during prequalification.

2

Review Options

Get matched with lenders and compare personalized loan offers with transparent rates and terms.

3

Receive Funds

Accept an offer and get your funds quickly. Many lenders provide same or next-day funding.

Why Choose Us

Fast Decisions

Get matched with lenders quickly and receive offers in minutes, not days.

Flexible Terms

Choose from multiple loan options with terms from 3 to 24 months that fit your budget.

Transparent Rates

No hidden fees. See all costs upfront before you commit to any loan offer.

Data Protection

Your information is encrypted with bank-level 256-bit SSL security.

Customer Stories

Real experiences from people we've helped

JM
★★★★★
Verified via email

The application was straightforward and I received multiple offers to choose from. The whole process took less than 24 hours.

SR
★★★★☆
Verified via email

I was surprised I got approved with my credit history. The terms were clear and I knew exactly what I was paying.

DK
★★★★★
Verified via email

Quick and easy process. Got the funds in my account the next day and used it for an unexpected car repair.

TL
★★★★☆
Verified via email

The soft credit check gave me peace of mind. I could see my options without worrying about my credit score.

Testimonials are individual experiences and may not be typical. Loan approval is not guaranteed.

Loan Calculator

Estimate your monthly payment

Loan Amount $1,000
Loan Term 12 months
APR 24.00%
Estimated Monthly Payment
$94.56
Total repayment: $1,134.72

Representative Examples

  • $250 @ 4.95% / 3 mo ≈ $84.10/mo (≈ $252.30 total)
  • $1,000 @ 24% / 12 mo ≈ $94.56/mo (≈ $1,134.72 total)
  • $5,000 @ 35.95% / 24 mo ≈ $295.20/mo (≈ $7,085 total)

APR = Annual Percentage Rate. Estimates only; actual terms vary by lender. We do not charge consumers any fees for our connection service. Individual lenders may charge fees (e.g., origination/late). Review your lender's terms.

Frequently Asked Questions

Many lenders in our network offer same-day or next-day funding once you accept an offer. The exact timing depends on the lender you choose and your bank's processing times.
No. The prequalification process uses a soft credit check that will not impact your credit score. If you accept a loan offer, the lender may perform a hard inquiry which could temporarily affect your score.
No, our connection service is free for consumers. We do not charge any fees for submitting a request or reviewing loan offers. Individual lenders may charge their own fees such as origination or late payment fees.
We connect borrowers with lenders throughout the United States, except for residents of New York, Vermont, Arkansas, and West Virginia where our services are not currently available.
Generally, you must be at least 18 years old, have a valid bank account, provide a valid email address and phone number, and have a source of income. Specific requirements vary by lender.
We use bank-level 256-bit SSL encryption to protect your personal and financial information. All data transmission is secured and we follow strict privacy protocols. Read our Privacy Policy for complete details.

Contact Us

Have questions? We're here to help

Email
contact@ascendlendings.com
Hours
Mon–Fri 9am–6pm EST
Mailing Address
123 Financial Plaza, Suite 500
New York, NY 10004

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Ascend Lending is a Loan connection service. Loan approval is not guaranteed. Submitting a request does not obligate you to accept any offer. Participating lenders may perform credit checks. Rates, terms, and availability vary. We are not a lender and do not make credit decisions.

Loans with APR ≥ 36% are not available to U.S. consumers.

Ascend Lending is a tradename of Ascend Lending, a Tennessee-registered company. Mailing address: contact@ascendlendings.com. Contact: contact@ascendlendings.com. © Ascend Lending. Last updated: 2025-11-15.

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logo Ascend Lending
Prequalifying uses a soft credit check that won't impact your score. If you accept an offer, the lender may perform a hard inquiry.
🔒 SSL⏱️ 2–3 min✅ Soft check
Rates Eligibility Contact