How it Works

Wondering how we make providing quick, online installment loans so easy? Our secret lies in a simple, multi-step process that has been designed by financial industry professionals to expedite the lending process and give you accurate, dependable results. Relying on our secure website applications and dedicated staff, we make getting you the money you need our top priority. Learn more about our easy installment loan process below and apply today!

Frequently Asked Questions


Fill Out The Form

Getting started with Lending Creative is simple. Just follow the on-screen prompts outlined in our application process so we can gather some quick information about you. Be prepared to submit your requested loan amount, your contact details, and a little more information on your current living situation. All information we collect is for simple verification purposes and will always be kept secure.


Submit Documents

To receive your funds, you will need to submit signed copies of agreements and materials. This is done electronically through our secure, online portal, with all documents being prepared and reviewed by qualified lending professionals.


Get Approved

After successful completion of our application process, our experts will review your materials and issue an approval for your loan! While we don't directly guarantee approval for all applicants, we provide quick installment loans to customers in all credit scenarios. So if your credit is less than perfect, you can still rest assured that you'll be considered for fast installment loans online.


Receive Money

Once your loan has been processed, it will be time to collect your funds! We'll issue a payment up to $1,000 to the financial institution of your choosing, and your money will be yours to use as you see fit! While we cannot promise same-day payouts, we often function on a next-day distribution schedule, getting your funds to you as quick as possible.

Frequently Asked Questions

What are installment loans?

Installment loans are short term loans designed to give you the funds you need when you need it. The term originated from the practice of borrowers facilitating the services of special lenders to receive the funds they'd usually expect from an employer-based paycheck days before they were due to receive it, and paying that back in installments.

When you apply for our services, you'll receive top-notch customer service from start to finish, with qualified lending experts making sure you're informed every step of the way. Refer to our How it Works page to get a full walkthrough on our process and learn how you can get started today.

At Lending Creative, there are no credit restrictions to apply, meaning we'll work with customers from all credit scenarios. Whether you have excellent, good, fair, or poor credit, we can customize payment solutions to your specific situation. Get in touch with one of our representatives for more information on credit thresholds.

We can provide up to $1,000 in short term loans to many customers. While certain scenarios may disqualify you from receiving the maximum amount, you may still be approved for a lesser amount depending on the details of your application.

Interest rate is always dependent upon the particulars of your application and agreed-upon loan term. When applying for a loan, this information will be provided to you before signing to receive your funds. There is zero cost to apply, and all customers are encouraged to do so.

Visit Terms and Use for applicable rates.

Our processing time can depend on both the particulars of your application and the time you submit it. In most cases, we can offer next-day deposits, but this is contingent upon the review and completion of necessary documents. We strive to make our approval process the quickest in the industry. Individual bank processing may cause delays.

Repayment scenarios depend upon your approval details and loan term. In most cases, loans can be repaid over the course of several months.

Aside from providing fast and funds to those who need them, security is our top priority at Lending Creative. We've secured our online gateways and application portals with to make sure all your information is kept safe and free from harm.

Penalties for missed payments are contingent upon your specific loan agreement. Reach out to our customer service representatives as soon as possible if you expect to be unable to repay your loan.

You must be at least 18 years old (19 if residing in AL or NE) and have:

  • A job or proven source of income
  • An email address
  • An active and valid checking account

All signed Loan Agreements are subject to verification of prior loan history and application information. Your online application will either be approved or declined based on our evaluation of the information you provide. In some cases, we may need to ask for additional information. But for most customers, it's quick and hassle-free.