Editor's choice: OppLoans Installment Loans
- Easy online application
- Quick approval
- Fast funding
- Long repayment terms
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Compare $1,000 cash loans
Find lenders that offer loans up to $1,000 – even with bad credit.
When you need $1,000 as soon as possible, an installment loan might be your best bet. These loans are costly, but most providers offer loans as soon as tomorrow.
Top $1,000 loans
OppLoans Installment Loans
$500 - $5,000
Loan amount
Loan amount
1 business day
Turnaround time
Turnaround time
Online application
Opploans is still a short-term lender — so expect rates of 160% when you borrow. But unlike many of its competitors, that's the maximum amount you'll pay in most states. There's no risk of an APR above 200%, which makes it a good choice among other expensive options. Its highly-rated customer service, wide state availability and ability to improve your credit also help it stand out from other providers.
- APR capped at 199%
- May help build credit
- Courses on financial literacy available
- Income must be through direct deposit
- High minimum monthly income requirements
| Product Name | OppLoans Installment Loans |
|---|---|
| Min. Amount | $500 |
| Max. Amount | $5,000 |
| Loan Term |
9 to 24 months
|
| Loan Security | |
| Turnaround Time |
1 business day |
| Costs | 59%–199% APR, varies by state |
| Requirements | Direct deposit, meet minimum income requirements, live in eligible state |
Speedy Cash Short-term Loans
$50 - $26,000
Loan amount
Loan amount
1 day
Turnaround time
Turnaround time
Online application
Although not every product is available in every state, Speedy Cash offers a wide range of short-term loan options to its borrowers. However, its payday loans max out under $1,000, so it may not be the best choice if you want to avoid the monthly repayments that come with installment loans. And like most lenders, it requires you to have a bank account — even if you decide to apply at one of its stores.
- Prepaid debit cards available
- Apply online or in store
- Wide variety of loans available
- Not fully transparent about fees
- Loan types limited by state
- May not improve your credit
| Product Name | Speedy Cash Short-term Loans |
|---|---|
| Min. Amount | $50 |
| Max. Amount | $26,000 |
| Loan Term |
Varies |
| Loan Security |
Unsecured |
| Turnaround Time |
1 day |
| Costs | Varies by state regulations. |
| Requirements | Must be 18+ years old (19+ in AL) and have valid ID, proof of steady income, an open checking account and working phone number. |
ACE Cash Express Short-term Loans
Varies by state
Loan amount
Loan amount
As fast as same business day
Turnaround time
Turnaround time
Online application
The key difference between ACE Cash Express and its competitors is your ability to return your loan amount without paying interest. If you decide not to borrow within 72 hours after receiving your loan funds, you can return it at no charge. But like all short-term lenders, the types of loans you have access to will depend on your state — and you'll still face high rates if you do choose to borrow.
- 72-hour refund period
- Apply online or in store
- Payday and title loans also available
- Not fully transparent about fees
- Loan types limited by state
- Limited serviced states
| Product Name | ACE Cash Express Short-term Loans |
|---|---|
| Min. Amount | |
| Max. Amount | |
| Loan Term |
Varies by state
|
| Loan Security |
Unsecured |
| Turnaround Time |
As fast as same business day |
| Costs | Varies depending upon the state where you reside. |
| Requirements | Steady source of income, checking or savings account, not currently in bankruptcy, ages 18+ |
CashNetUSA Loan
Up to $500
Loan amount
Loan amount
As fast as same business day
Turnaround time
Turnaround time
Online application
While there are some short-term lenders that offer lines of credit, CashNetUSA is one of the few that offers them in several states. It's also transparent about the cost of its loans. So while they're expensive, you'll know exactly how much you'll be spending before you apply.
- Lines available in 10 states
- Transparent APR
- Payday and installment loans also available
- Faced government action in 2015
- Extensions may be available
| Product Name | CashNetUSA Loan |
|---|---|
| Min. Amount | |
| Max. Amount | $500 |
| Loan Term |
Varies by state
|
| Loan Security |
Unsecured |
| Turnaround Time |
As fast as same business day |
| Costs | Varies by state |
| Requirements | Regular source of income, bank account, US citizen or permanent resident, age of majority in your state |
How to get a $1,000 loan
- Make sure you’re eligible. Lenders look at factors like where you live and your income when you apply for a loan.
- Compare lenders. Use the table below to find a lender that offers $1,000 loans you can qualify for.
- Apply. Found a lender you like? Click the Go to Site button on our table to get started on the application.
- Review your offer. Lenders will contact you within a few minutes with an offer if you’re approved. Read it carefully before signing anything.
- Get your $1,000. You can usually get your money deposited into your account as soon as one business day.
What's in this guide?
How much will the loan cost?
How much your loan costs depends on the APR and the loan term.
Installment loans might work with bad credit borrowers, but they’re expensive. It’s common for rates to top 100%and usually you have between three and 12 months to repay an an installment loan. A shorter loan term might give you higher monthly repayments but it’ll help you save on interest.
Use our calculator below to figure out how much a $1,000 loan will cost you.
Monthly repayments calculator
See how much you'll pay| Your loan |
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Fill out the form and click on “Calculate” to see your estimated monthly payment.
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Compare $1,000 loans nowBased on your loan terms...
You can expect to pay back $ per monthThis breaks down to...
$ in principal and $ in interest charged Compare $1,000 loans nowAm I eligible for a $1,000 loan?
You can generally get an installment loan if you meet the following criteria:
- Over 18 (19 or 21 in some states)
- Have a steady source of income
- Live in an eligible state
Most installment loan providers don’t operate in all states due to regulations. However, you can often find an installment loan even if you have bad credit or rely on government benefits.
Are $1,000 personal loans available?
Yes. There are some lenders like PNC or Upstart that offer personal loan amounts as low as $1,000. However, these are more difficult to qualify for — you may not qualify if you have bad or fair credit. If you do have good credit, consider borrowing a larger personal loan and simply repaying what you won’t use. This will help lower the cost of borrowing significantly and prevent you from paying the excessive fees charged by short-term lenders.
Can I get a $1,000 loan with no credit check?
No credit check loans are available, but you should consider if applying for a loan with no credit check is necessary. Most short-term lenders will consider you for a loan even if you have a few bad credit listings on your file.
Check the eligibility criteria listed for both bad credit and no credit check lenders and see which one best meets your needs.
A no credit check loan can be very risky
A car title loan may be helpful – but it’s also risky
Title loans are short-term loans backed by the title of your car. Since they require you to visit the lender in person, you can get your money in as fast as 30 minutes. You might not even need to have a job or checking account to qualify.
However, like other short-term loans, these are expensive. Expect to pay an APR of around 300%. You also risk losing your car if you can’t pay it back or getting trapped in a cycle of debt.
What to know when comparing $1,000 loans
How you compare your options largely depends on whether you’re applying for a payday loan or a standard $1,000 loan. Below, we’ve broken down what you need to know.
- Am I eligible? Don’t waste your time applying for a loan you can’t qualify for. Check your eligibility first.
- What is the APR? Installment loans are generally expensive, but some providers offer more competitive APRs than others.
- What is the term of the loan? Try to find the shortest term that you can comfortably afford to save on interest.
- What are the fees? While fees are included in the APR, it’s good to be aware of the charges you might have to pay upfront.
- What’s the lender’s reputation? See what other borrowers have to say by reading reviews on sites like Trustpilot and the Better Business Bureau.
How do you know if a lender is legit?
Are payday loans available in my state?
How to increase your chances of being of approved
While there is no definite way to make sure a lender approves your application, it could help your application to keep the following in mind:
- Establish eligibility criteria. On each finder.com loan review page, you’ll find a list of eligibility criteria you need to meet in order to be approved for the loan. Take some time to go through these before applying. If you have doubts about any part, you can always call the lender.
- Go through your credit report. It’s a good idea to get a free copy of your credit report online before you apply. Understanding of your credit history will put you in a better position to know what loans you can and can’t apply for.
- Limit your applications. Every time you apply for a loan, it counts as an inquiry on your credit report. Submitting too many applications can negatively affect your credit score. If you want to compare your options without going through the hassle of applying to multiple lenders, try a lender-matching service instead.
Must read: Factoring in your repayments
It’s important that you have a fair idea of what your repayments will look like before you apply for your $1,500 loan. Once you know how much you have to repay, take into account your existing salary and expenses and then determine if you can afford to make the repayments. You can use a loan calculator to find out how much you might have to repay weekly, biweekly, or monthly.
What to avoid
When you look for a $1,000 loan, bear in mind that it can come with associated risks:
- Avoid taking on more debt than you can handle and exercise caution throughout the loan process.
- A short repayment period and high fees translate into high repayments.
- You can avoid high interest rates by comparing multiple lenders. Remember to consider all costs, including financing fees if applicable.
Compare more lenders that offer $1,000 loans
Check the websites of any providers you’re interested in to confirm they operate in your state of residence.
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What type of loan are you looking for?
Fixed Term | Fixed Amount | |
|---|---|---|
| 7 days |  | $1,000 |
| 30 days | | $1,500 |
| 2 months | | $2,000 |
| 3 months | | $3,000 |
| 5 months | | $4,000 |
| 6 months | | $5,000 |
| 12 months | | $10,000 |
| 24 months | | Compare more |
Frequently asked questions about $1,000 loans
Ask an Expert
I have emergency dental work that needs to be done dont know how much.What type of loan should I apply for?
Hi BidRed,
Thanks for your question.
If you want to borrow money for a dental procedure, you may consider getting a dental loan. On this page, you may compare dental loans. Kindly review the eligibility criteria and the terms and conditions of the loan before submitting your application.
Alternatively, you may also consider comparing emergency loans.
Cheers,
Anndy
Can I get a loan with out having a checking or saving
Hey Dustin,
Thank you for reaching out to us.
Yes, it’s possible and you can check out this page on No Bank Account Loans.
As finder is an online comparison service and is not a product issuer, it would be best to get in touch with a lender featured on our pages to discuss your eligibility or options.
Also, you may have to check if payday loans are legal in your state.
Before applying, please ensure that you meet the eligibility criteria and requirements and to read the details, as well as the relevant Product Disclosure Statements/ Terms and Conditions of the option before making a decision and consider whether the product is right for you.
I hope this helps.
Cheers!
Maria