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Personal Installment Loans
Your reasons for getting a loan might be complex. But the loan itself? We think it should be simple. That’s why we offer fast, flexible personal installment loans with no hidden fees (and no funny business).
Getting started is easy, and it won't affect your credit.
How much money do you need?
$450
$3000
$6000
$9000
$12,000
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A crystal-clear interest rate and flexible terms.
A personal installment loan lets you borrow money up-front and make fixed monthly payments over a set period of time. So you can get cash now without the worry.
A just-right personal installment loan amount.
In most states, our personal installment loans come in amounts ranging from $450 to $10,000. In some states, you can even borrow up to $12,000.**
A lender that looks at more than your credit score.
When it comes to approving your personal installment loan, we look at your full financial picture. Why? Because we know that you're so much more than a credit score.
Personal
Installment Loans
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3 easy ways to apply for a personal installment loan.
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Loans to fund your life & build your credit.
Get more than just fast funds with a World Finance personal installment loan. With fixed rates and flexible terms, it easy to make on-time payments that build healthy credit over the life of your loan.††
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Personal installment loans vs. other options
See how a World Finance personal loan stacks up against title loans, pawn shop loans, payday loans, and credit cards.
World Finance
Personal Loan
Affordable fixed-rate monthly payments
Reviews credit history and ability to repay the loan
Reports to credit bureaus
Usage flexibility
Average loan terms
6-46 months††
2-4 weeks††
30 days
30 days††
Revolving
4 set installments***
World Finance Personal Loan
Affordable fixed-rate monthly payments
Reviews credit history and ability to repay the loan
Reports to credit bureaus
Usage flexibility
Average loan terms
6-46
months††
Pawn Shop Loan
Affordable fixed-rate monthly payments
Reviews credit history and ability to repay the loan
Reports to credit bureaus
Usage flexibility
Average loan terms
2-4
weeks†
Payday Loan
Affordable fixed-rate monthly payments
Reviews credit history and ability to repay the loan
Reports to credit bureaus
Usage flexibility
Average loan terms
30 Days
Title Loan
Affordable fixed-rate monthly payments
Reviews credit history and ability to repay the loan
Reports to credit bureaus
Usage flexibility
Average loan terms
30 Days†
Credit Loan
Affordable fixed-rate monthly payments
Reviews credit history and ability to repay the loan
Reports to credit bureaus
Usage flexibility
Average loan terms
30 Days†
Buy Now Pay Later†
Affordable fixed-rate monthly payments
Reviews credit history and ability to repay the loan
Reports to credit bureaus
Usage flexibility
Average loan terms
4 set
installments**
Source: Company filings, CFPB, Center for Responsible Lending Report (Feb 2013), Wall Street Research, AFSA Education Foundation: Personal Loans 101: Understanding Small Dollar Loans
†† For the full list of sources visit: https://www.loansbyworld.com/loans/advantages
*** Set installments may vary
Personal Loan FAQs
Does applying for a personal installment loan require a credit check?
A credit check is required during the process. When you submit your application, we do a soft check, which does not affect your credit score. A soft check allows us to peek at your credit score. During approval, we do a hard check, which does affect your credit score. A hard check will let the credit bureaus know that your credit history is about to change.
How fast can I get cash once I’ve applied for a personal loan?
When you get approved for a World Finance personal loan, you can get your money by check or direct funds to your debit card. Typically, your loan can be funded in about an hour.
How is a personal installment loan different from a payday loan?
Payday loans come with an expectation to repay in one, large payment (typically when you get your next paycheck). They also come with high, inconsistent rates. There is also no credit reporting with a payday loan, which means there's no chance to improve your credit through repayment. A personal installment loan comes with a manageable payment schedule with flexible terms. And since we report to all 3 credit bureaus, you could rebuild your credit through positive payment behavior.
Can I get a personal installment loan with bad credit?
If you have bad credit and need money, you may still be able to get a personal installment loan. We consider more than just your credit score, also looking at things like sources of income, ability to make payments, and your full financial picture.
What is a personal installment loan?
A personal installment loan is a type of loan with regularly scheduled, fixed monthly payments. Unlike payday loans, credit cards, or title loans, a personal installment loan comes with clear terms, fixed-rates, and a set payment schedule. Plus, we report to all 3 credit bureaus to make sure positive payment behavior is counted toward to your credit score.
Can I apply for a personal installment loan online?
Yes, you can start your application online. It only takes a few moments to fill out the form. Once you submit it, we’ll reach out to you with next steps – which include a visit to your local branch. The application and loan approval process is fast, easy, and funding typically takes about an hour.
"I have achieved every goal with World’s help. They don’t care about what you have, but about what you can do with what you have."
Kevin Gaskin, World Customer
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Let's see what you can do with the credit score you've got.
Want to apply for a personal installment loan without tripping over your credit score? We make it simple, looking at your full financial picture to match you with the personal installment loan that’s right for you.
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