Editor's choice: OppLoans Installment Loans
- Easy online application
- Quick approval
- Fast funding
- Long repayment terms
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Got a $4,000 emergency? There are several options that give you the money you need fast, even with bad credit. But it often comes with a high cost.
Generally, you must:
You can typically get a $4,000 installment or title loan even if you have bad credit. Secured personal loans might be an option if you have fair credit. And cash advances don’t consider your credit score, though you need to already have a credit card.
Often $4,000 loans aren’t cheap if you have bad credit. Installment loans can come with APRs over 100%. Title loans can have an APR of upwards of 300%. Your loan cost generally depends on your APR and how long you have to pay it back — your loan term.
Use the calculator to find out how much you’ll pay each month on a $4,000 loan with different rates and terms.
Consider the following questions when comparing lenders.
Taking any kind of a loan can come with its share of pitfalls, so it’s best to avoid the following:
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