Online Installment Loans Direct Lender

Installment Loans with Fast Approval - CashAmericaToday

At CashAmericaToday, you can get a decision on your installment loan application in minutes.* Our process is fast, secure, and designed for real-life emergencies.

As a licensed direct lender, we review your income and ability to repay instead of relying only on a traditional credit score. If approved and you sign before your bank’s cut-off time, funds can arrive as soon as the same business day.*

What Is an Online Installment Loan from a Direct Lender?

CashAmericaToday offers online installment loans as a direct lender, reviewing your application, making the lending decision, and funding the loan directly, instead of sending your details to brokers or third parties. This means a single application, clear terms, and one company handling your loan from approval to payoff.

With CashAmericaToday, decisions are based mainly on your income and ability to repay, not just a traditional hard credit score. If approved and you sign before your bank’s cut-off time, funds can arrive as soon as the same business day.*

Online Installment Loans with No Hard Credit Check

We offer online installment loans with no hard credit check to check eligibility*. Instead, we may use alternative data and review your income, bank activity, and ability to repay. If approved and you e-sign your agreement before your bank’s cut-off time, same-day funding may be possible; otherwise, funds typically arrive on the next business day.

There are no prepayment penalties, so you can repay early and reduce your total interest.

Requirements For Our Online Installment Loans

You are at least 18 years old

You have a Social Security Number

You hold a checking bank account

You have a regular income

If you meet these basic requirements, you can apply for our online installment loans from a direct lender.

Whether you're searching for online loans with quick approval or just need funds fast, we're here to help - securely and responsibly. Do you have questions about quick online installment loans from CashAmericaToday? Explore our FAQ.

Why Choose CashAmericaToday for an Online Installment Loan?

Competitive rates and clear terms on online installment loans from a licensed direct lender
We prioritize responsible lending practices, ensuring all our loans are provided transparently and fairly.
Our online installment loans can be paid back monthly conveniently through the ACH system
You can apply for installment loans around the clock, even on weekends
We don't ask for a written referral from your employer; your bank statement is enough
We are a considerate and legitimate lender that keeps your privacy intact
We treat our regular users with VIP customer status, which comes with more benefits
State-based rates and terms – see our Installment Loans by State page for details.

Get Same-Day Funding Where Available

We offer quick loans without the need to fax any kind of documents. Our fast decision process means you'll know quickly if you're approved, and our no hard credit check approach ensures a smooth and hassle-free experience. Loans approved before 11 am CST are eligible for same-day funding installment loans. If you apply later, then you will get your loan processed no later than the next business day. Looking for installment loans from a direct lender with fast funding and income-based decisions? Apply in minutes and, if approved, get cash as soon as today.*

Where Are Our Online Installment Loans Available?

CashAmericaToday is a Utah-based direct lender. We currently offer online installment loans in selected U.S. states, subject to state laws and eligibility.

See Installment Loans by State to check availability and view rates and terms for your state.

Defeat Your Money Problems With Us by Your Side

With unexpected events cropping up now and then, it's easy to feel overwhelmed by the burden of unpaid expenses and emergency fund requests. If you ever feel like you need a helping hand, CashAmericaToday is here to provide the assistance you require with attractive loan offers. As a direct lender, we provide you with fast and easy funding solutions in your tough times. Whether it's a medical emergency or a car breakdown that requires immediate funds, our online installment loans are tailored to meet your financial needs without any undue stress or pressure.

Our process is simple, secure, and uses no hard credit check to check eligibility.*

Our Frequently Asked Questions

How do I know CashAmericaToday is a genuine online direct lender for installment loans?

CashAmericaToday is a registered direct lender in Utah and has operated since 2010. We don’t charge upfront fees, and our terms and rates are clearly disclosed. You can review our credentials on the Licensing & Compliance page

How soon is approval for same-day installment loans?

Most decisions are made quickly after you submit your application. Same-day funding may be possible if you’re approved and sign before your bank’s cut-off time; otherwise, funds typically post the next business day. Approval isn’t guaranteed.

Do you check my credit score?

We do not perform a hard credit check to check eligibility. We may use alternative data and may request additional verification before approval.

How much can I borrow?

Most approved customers borrow $100–$1,000. The amount you qualify for depends on your state, income, and other eligibility criteria.

How fast will I receive my funds?

If approved and you sign before your bank’s cut-off, funds can arrive the same day; otherwise, by the next business day. Bank processing and verification steps can affect timing.

Do you offer installment loans for bad credit?

Yes—credit challenges don’t automatically disqualify you. We review income and ability to repay rather than relying on a traditional hard credit pull.

Is it safe to apply online with CashAmericaToday?

Yes. We use 256-bit TLS encryption and follow security best practices to protect your data. You can also apply by phone at (855) 840-5688 during support hours.

Can I repay early?

Yes. There are no prepayment penalties, and paying off early can reduce your total interest.

What terms and APRs are available?

Typical terms range from 3–24 months with APRs starting from 35.99%. Your exact APR and term depend on your state and application.

Are loans available in my state?

Availability varies. See our Rates & Terms page and choose your state for details.

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3.6 / 5

★★★★★

It was quick and easy. Did most everything online and talked with a representative to confirm details and was done. Very kind and knowledgeable. I would definitely recommend and will use them again in the future.

- NICOLE

I love cashamericatoday,I have used serval times and always had great customer service money deposited when they said and charges are lowest around. I recommend to any needing a loan.

- Christina Russo

CashAmericaToday is the best and always there to help me when I need extra cash. I have only had great experiences with them. I would recommend them to all my family and friends.

- Jay T

I’ve used cash America twice since I was approved and every time they came through with out any problems and always on time I would refer this company to as many of my family or friends whenever asked.

- Lequisha Ester

They were very easy to work with all the details of my loan were explained clearly from the beginning. Also customer service was always nice whenever I called it with a question about my account.

- Renay Streety

Reviews are the independent opinions of our users, and we do not hold any of them to be representative of all CashAmericaToday borrowers' experience.

CashAmericaToday is registered with the Utah Department of Financial Institutions to offer consumer credit services. When you submit your application to us online, it will be processed just as if you had submitted it in person, establishing Utah as the jurisdiction for the negotiation, execution, and fulfillment of all applications and agreements. If your application is approved, the funds will be disbursed from our account in Utah. Please note that Utah's laws governing consumer loan agreements may differ from those of your home state. It is the applicant's responsibility to adhere to all statutory requirements related to obtaining internet loans in their state of residence. Please be aware that this service may or may not be available in your specific state, and loans are not offered in the state of Illinois. Please be aware that this service may not be available in all states. Loans are not offered in the State of Illinois. Any application submitted by an Illinois resident will be deemed null and void, will not be accepted or approved, and shall create no lender–borrower relationship, duties, or obligations of any kind. No offer, solicitation, or agreement to provide credit is made or intended to any person in Illinois, and any attempted application is void where prohibited by law.

CashAmericaToday is a brand of Silver Financial Capital. The purpose is to meet your short-term borrowing needs, not long-term financial needs. Please note that this is an expensive form of borrowing. The loans and lines of credit may be used for whatever reason you need, like unexpected emergencies, car repairs, medical bills, or travel expenses. In addition, alternative forms of financing like credit card cash advances, personal loans, and home equity lines of credit might be more affordable and better suited to your needs.

CashAmericaToday does not perform any credit checks through the three major credit bureaus Experian, Equifax or TransUnion. We collect required information regarding debtors' creditworthiness from a third party source.

Approval time depends on the authenticity and verifiability of your documents. You might be requested to provide further information if required. Note that we do not approve all the loan requests. On the basis of state laws and your repayment ability, the terms and rates may vary. Any loan requested on Friday after 6:00 PM CST will be processed on the next business day, usually Monday- unless it is a holiday.

Should you have any doubts, please call our customer support at (855) 840-5688, Monday- Friday: 7:00 AM to 4:30 PM (CST) or email to support@cashamericatoday.com.

Representative Example: A loan of $100 repaid over 3 months at an APR of 35.99% would have 3 monthly payments of $35.35, for a total of payments of $106.05. Your loan amount, APR, and term may vary by state, lender or lending partner, and your creditworthiness. Payment amounts may vary by a few cents due to rounding.

* I have read and understand the Terms and Conditions & Privacy Policy of this loan. All loans financed by CashAmericaToday Footnotes: * Additional verification may be required; approval isn’t guaranteed. Eligibility, APR, and terms vary by state, lender or lending partner, and creditworthiness. Funding timelines depend on bank cut-off times. No hard credit check to check eligibility; additional verification may be required. No prepayment penalties.

Online Installment Loans from a Licensed Direct Lender