Get Your Installment Loan in Minutes
Fast, flexible financing when you need it most
Check eligibility in ~2–3 minutes • No credit impact
Loan amounts: $250 – $5,000
Estimate Your Loan
How It Works
1. Apply Online
Complete our simple 2-minute form with basic information. Soft credit check only – no impact on your score.
2. Fast Decision
Get matched with lenders quickly. Review loan offers with clear terms – no hidden fees or surprises.
3. Get Funded
Accept your loan terms and receive funds as soon as the same day or next business day, depending on your bank.
Why Choose Minto Money
Bad Credit Considered
We work with lenders who consider all credit profiles. Your credit history is just one factor in the decision.
No Hidden Fees
All terms are transparent. Many of our lender partners offer no prepayment penalties, so you can pay off your loan early.
Flexible Terms
Choose a repayment plan that fits your budget. Terms typically range from 3 to 36 months.
Quick Online Process
Complete your application in minutes from any device. No paperwork, no waiting in line.
Soft Credit Check Only
Checking your eligibility won't hurt your credit score. Hard inquiry only occurs if you accept a loan offer.
U.S.-Based Support
Our customer service team is here to help with any questions throughout your loan process.
Loan Information & Rates
Loan Amounts & Availability
Minto Money helps you find installment loans ranging from $250 to $5,000. Loan availability and maximum amounts vary by state and lender.
Funding Timeline: Once your application is approved and you accept the loan terms, funds are typically sent to your bank account as soon as the same day or next business day. The exact timing depends on your bank's processing times.
Eligibility Requirements
- Be at least 18 years old
- Be a U.S. resident
- Have an active bank account
- Have a steady source of income
- Provide a valid email address and phone number
APR Ranges & Terms
APR (Annual Percentage Rate) varies based on the lender and your creditworthiness. Typical installment loan APRs range from 5.99% to 35.99%.
Loan terms typically range from 3 to 36 months.
Your actual APR and loan terms will be disclosed by the lender before you accept any offer.
If you borrow $2,500 over 12 months at 10% APR with a 3% origination fee ($75), your estimated monthly payment would be approximately $219.79.
Total repayment: $2,637.48 | Total interest paid: $137.48
This is an example only. Your actual loan terms, APR, fees, and monthly payment will depend on your lender and creditworthiness.
State Availability
Minto Money's lending network serves most U.S. states. However, we are not available in the following states:
- New York (NY)
- Vermont (VT)
- Arkansas (AR)
- West Virginia (WV)
For detailed licensing information by state, please visit our State Licenses page.
Transparency & Data Protection
- Your Privacy Matters: We use bank-level SSL encryption to protect your personal information during transmission.
- No Data Sales: We never sell your personal data to third parties. Your information is shared only with lenders in our network to process your loan request.
- Soft Credit Check First: Checking your eligibility uses a soft inquiry that does not affect your credit score. A hard inquiry may occur only if you accept a loan offer from a lender.
- Clear Terms: All loan terms, fees, APR, and repayment schedules are clearly disclosed before you accept any offer. No surprises.
- Responsible Lending: We encourage borrowers to only borrow what they can afford to repay. Learn more on our Responsible Lending page.
What Our Customers Say
"The application process was incredibly fast and straightforward. I received approval within minutes and had funds in my account the next day. Highly recommend!"
"Even with less-than-perfect credit, I was able to get matched with a lender. The terms were clear and there were no hidden fees. Very transparent!"
"I needed emergency funds for a car repair. The entire process took less than 10 minutes and I had the money within 24 hours. Outstanding service!"
"Customer support was excellent. They answered all my questions and helped me understand the terms. I felt confident throughout the entire process."
Important Disclosures
Minto Money is a loan matching service that connects borrowers with lenders in our network. We are not a lender and do not make credit decisions. Submitting a request on our platform does not guarantee that you will be matched with a lender, receive a loan offer, or be approved for credit.
The information on this site is for informational purposes only and does not constitute an offer or solicitation to lend. Loan terms, APR, fees, and eligibility are determined solely by the lender you are matched with. You are under no obligation to accept any loan offer.
We use a soft credit check to assess your eligibility, which does not impact your credit score. If you choose to accept a loan offer from a lender, that lender may perform a hard credit inquiry, which could affect your credit score. The lender will inform you before conducting a hard inquiry.
Minto Money and its lending partners are not available in all states. We currently do not serve residents of New York, Vermont, Arkansas, or West Virginia. Lenders in our network are licensed and regulated according to state laws where they operate. For more details, see our State Licenses page.
APR and fees vary by lender and your creditworthiness. All fees, including any origination fees or prepayment penalties, will be clearly disclosed by the lender before you accept a loan offer. Many lenders in our network offer no prepayment penalties.
Borrowing money is a serious financial decision. Please borrow only what you can afford to repay. Late or missed payments can result in additional fees, collection actions, and negative impacts on your credit. For guidance, visit our Responsible Lending page.
Frequently Asked Questions
APR varies by lender and your creditworthiness. Typical installment loan APRs range from 5.99% to 35.99%. Your actual rate will be disclosed before you accept any loan offer.
No. We use a soft credit check to determine eligibility, which does not impact your credit score. If you accept a loan offer, the lender may perform a hard credit inquiry.
No hidden fees. All loan terms, including any origination fees or prepayment penalties (if applicable), will be clearly disclosed before you accept any offer. Many lenders offer no prepayment penalties.
Once your application is approved and you accept the loan terms, funds are typically sent to your bank account as soon as the same day or next business day. The exact timing depends on your bank's processing times.
This service is available in most US states. Unfortunately, we cannot serve residents of New York, Vermont, Arkansas, or West Virginia at this time.
Basic eligibility requirements include: be at least 18 years old, be a US resident, have an active bank account, have a steady source of income, and provide a valid email address and phone number.
Yes. We work with lenders who consider applicants with various credit profiles, including bad credit. Your credit history is one of many factors considered in the lending decision.
Yes. We use bank-level SSL encryption to protect your personal information. We never sell your data to third parties. See our Privacy Policy for full details.
Important Notice: Minto Money is a loan matching service, not a lender. Submitting a request does not guarantee approval or an offer. APR, terms, and fees are determined by the lender. Loan availability varies by state; not available in NY, VT, AR, or WV. We use a soft credit check for eligibility (no score impact); hard inquiry may occur if you accept an offer. Borrow responsibly and only what you can afford to repay. For full details, see our Terms of Use and Privacy Policy.