Personal loans from $200 to $5,000. Funded fast.
Fixed installment payments with a clear payoff date. All credit types welcome. No collateral required.
Checking your rate won't affect your credit score
Fixed installment payments with a clear payoff date. All credit types welcome. No collateral required.
Takes about 5 minutes. No obligation. Soft inquiry only — no impact to your credit score.
Each product is a personal installment loan with fixed payments and a clear payoff date.
Borrow $200–$5,000 with fixed payments and a defined payoff date.
Full details →Same-day debit card funding available. Apply in ~5 minutes.
Full details →Replace multiple bills with one fixed payment at one rate.
Full details →We look at your full financial picture, not just your score.
Full details →Cover healthcare costs insurance doesn't fully handle.
Full details →Get back on the road fast when your car breaks down.
Full details →Our borrowers use personal installment loans for a wide range of needs.
From application to funds in your account — a simple, transparent process.
Complete the application in about 5 minutes from your phone or computer.
We review your information and provide a decision quickly.
See your APR, payment amount, and total cost before you commit.
Debit card deposit in minutes or ACH by next business day.
Adjust the sliders to see estimated monthly payments. This is for illustration only.
See how personal installment loans stack up against other borrowing options.
| Feature | Patria Lending | Payday Loan | Credit Card | Title Loan |
|---|---|---|---|---|
| Repayment | Fixed installments | Lump sum | Revolving min. | Lump sum / short |
| Typical APR | Varies by profile | 300–600%+ | 20–30% | 100–300% |
| Collateral | None | None | None | Your vehicle |
| Rollover risk | None | Very high | Ongoing | High |
| Clear payoff date | Yes | No | No | Varies |
| Credit building | Possible | Typically no | Yes | Typically no |
Meeting these requirements doesn't guarantee approval, but they're the starting point.
Must be at least 18 years of age
Must reside in an eligible US state
Verifiable income source required
Checking account for deposits and payments
Valid email and phone number
Social Security number for identity verification
We believe you should know what you're getting into before you commit.
Real feedback from Patria Lending customers.
"Applied on my phone during lunch. Approved by end of day, money in my account the next morning. Exactly what I needed."
"My credit isn't great but they looked at my income and approved me. Fixed payments are easy to budget around."
"Needed emergency dental work. Got $1,500 the next day. No prepayment penalty so I paid it off in 4 months."
"Simple application, clear terms. I knew exactly what I'd pay and when I'd be done. Much better than a payday loan."
"Consolidated 3 credit cards into one payment. One date, one amount. Should be paid off by spring."
"AC died in July. In Arizona, that's an emergency. Got $2,800 the next day. New unit installed by the weekend."
One spreads payments over months, the other demands everything in two weeks.
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Step-by-step walkthrough of how consolidation works and when it makes sense.
Credit score ranges explained plus what lenders actually look at.
Personal loans, credit cards, payday loans compared side by side.
Answers to the most common questions about our personal installment loans.
Apply in minutes. No obligation. No impact to your credit score for your initial rate check.
Check your rate