YieldBirch

Free referral service · we do not lend

White birch trees with golden autumn leaves in morning light behind the YieldBirch installment loan request form, $100 to $5,000

Ask for $100 to $5,000 · every credit type considered

Begin your request

$100 to $5,000 · funds as soon as the next business day, if approved

Encrypted connection · Free to send · No obligation

  • Nothing to pay to ask
  • No obligation to accept
  • Every credit type considered
  • Costs shown before you sign

Installment loans online, $100 to $5,000, paid back in steady steps.

Send one short request and lenders in our network can review it. If one approves you and you accept, money can arrive as soon as the next business day.

Does this ring a bell?

When the month runs out before the money does.

  • The heating bill doubled this winter.
  • Rent is due the day before payday.
  • The water heater started leaking.
  • School fees came due all at once.
  • A vet visit you could not put off.
  • Your next check is still days out.

Small installment loans, for the space between paychecks. One free request, with no obligation to take any offer.

Check my options

How it works

Requesting an installment loan online, step by step

Three short steps. The first and the last are up to you.

  1. 1

    Send one short request.

    It takes a few minutes on your phone and costs nothing.

  2. 2

    Lenders in our network look at it.

    YieldBirch does not lend. Each lender makes its own credit decision.

  3. 3

    Read the terms, then decide.

    Any offer lists the APR, fees and schedule first. If approved and you accept, funds can arrive as soon as the next business day.

White birch trunks under golden leaves, the YieldBirch look at plain terms on installment loans from $100 to $5,000

Worth knowing first

A few plain facts before you borrow.

  • YieldBirch is not a lender. We send one request to lenders in our network. The lender decides.
  • Installment loans come with a payment schedule. The lender sets the amount, APR, fees and dates.
  • Short-term credit can be expensive. APRs can run high. See the representative range in the footer.
  • Borrow only what you can repay. Look at the total cost, not just the payment.
  • You can say no. An offer is never an obligation.

Installment loan questions, answered simply

Does YieldBirch lend the money itself?

No. YieldBirch is a free referral service, not a lender. Your request goes to lenders in our network, and the lender makes the decision and sets the terms.

How does an installment loan work?

You get one lump sum and pay it back in set payments over time, rather than all at once on payday. The lender sets the amount, APR, fees and schedule and shows them before you accept.

Is my credit checked?

A request is free and does not tie you to a loan. A lender may run its own credit check as part of considering your request.

Can I apply with a low credit score?

Every credit type is considered. Lenders may also look at your income and bank account. Neither approval nor a set amount is guaranteed.

Is this the same as a payday loan?

Not quite. A payday loan is usually repaid in one payment on your next payday, while an installment loan is spread over several payments. Both can cost a lot, so compare the APR and total cost. The product you are offered depends on the lender and your state.

What will I pay for the loan?

It varies by lender, amount and state. APRs on short-term credit can be high, sometimes above 200%. The lender shows the APR, fees and payment dates before you accept, and you may turn any offer down.

Whenever you are ready

One request. A clear choice after.

$100 to $5,000, sent to lenders in our network. Free to send, and nothing to sign unless you want to.

Start my request