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3 Month Payday Loans (Direct Lenders)

Repay in 3 Easy Installments

If you're searching for 3 month payday loans, you're probably looking for a fast and easy way to borrow cash, with a longer period to repay than a typical payday loan.

GOOD NEWS: You can borrow money over a 3 month term but, unlike payday loans, repayment is made in 3 monthly instalments rather than one lump sum.

While we don't call these 3 month payday loans, they are perfect solution for those that need longer than 30 days to repay but don't want to be tied down for as long as traditional loans from the bank.

Our loan connection service can help you find one of these short term instalment loans in a matter of minutes. Let's take a closer look at how it works...

How Are These Different Than Payday Loans?

It should be noted that there is no such thing as a 3-month payday loan - by definition a payday loan is repaid on or just after your next payday (i.e. within 30 days). With an installment loan borrowers repay in 3 equal installments over 3 months, giving you some much-needed flexibility.

Each installment is also subject to the interest rate, rather than a single finance charge that is applied to a payday loan.

Why a Three Month Loan?

  • More time to repay: The main benefit of a three month installment loan is that you have about triple the amount of time to repay than with a regular payday loan, which gives you some extra breathing room
  • Easier to manage: Because repayment is split in to three equal installments, it can be much easier to manage than a payday loan, which is repaid in one lump sum. This will ease the burden on your monthly budget and makes it less likely for the debt to spiral.
  • Borrow more than a payday loan: Because you have longer to repay, it also means you can probably handle a larger sum. Theoretically this could be three times the amount than you could manage with a single payday loan.
  • A broad Solution: The flexibility of our lenders allow you to cover a much broader range of financial situations than payday lenders can, which are only really suitable to cover small financial hiccups until you next get paid.
  • Easier to apply than traditional loan: What three month loans do have in common with payday loans is an easy online application process. Our direct lenders can even accept those with bad credit.

Tell Us How Much You Need

3 month payday loans

The lenders in our network recognize that everyone's situation is different, that's why they can offer flexible sums between $100 and $5,000.

Our loan connection tool allows you to request the amount you need and if we're able to refer you, the lender will aim to offer as close to this sum as possible. The lender always has your best interests in mind and will never lend more than they think you can manage.

So, while you are not guaranteed the sum you select, you will be offered an amount that suits your financial situation.

Note: We are not a lender, but our loan connection tool helps you quickly and easily find licensed direct lenders who can offer 3 month loans.

Repay When It Suits You

Our third-party lending partners offer a variety of repayment schedules to suit your personal situation. You can repay in 3 monthly installments, choose a regular payday loan and repay in one lump sum within 30 days, or opt for a long-term installment loan of up to two years.

Your repayment schedule will be unique to you and will be agreed between you and the lender if you are connected. The duration that best suits you will be based on the amount you wish to borrow and the personal information you share during the application.

Typically, larger sums are easier to repay over longer periods of time, whereas it might make more sense to repay a small sum as a payday loan.

Whatever your predicament, we're confident our lenders have an ideal solution for you!

Easy Eligibility

Almost everyone is eligible to use our loan connection tool. All that's required is that you are:

  • Over the age of 18, as loans can only be issued to adults.
  • A legal resident of the United States with a fixed address where you can be contact
  • Employed, self-employed, or otherwise receiving a stable income of at least $1,000 per month.
  • Have a bank account in your name where the loan can be quickly deposited, and repayments taken.

If you meet these requirements, you can use our loan request tool now!

Bad Credit Isn't a Barrier for 3 Month Payday Loans

You should always be wary of websites that claim a loan is guaranteed and there will be no credit check. All our lenders are fully licensed and accredited and will perform some kind of credit check.

What sets them apart from traditional banks and large lenders is that you will NOT be automatically rejected if you have bad credit. Those with a poor credit history can and do get approved.

To have the best chance of approval with bad credit, make sure that you are in stable employment and have paid down existing debts, so these won't interfere with your ability to take on new credit.

Easy Online Application

online application

With our cutting-edge loan request tool, you no longer have to waste time applying to individual lenders. We will plug you in to a network of over 100 lenders and attempt to connect you with one of them in a matter of minutes.

Just choose how much you wish to borrow, provide your personal details, and you'll know on screen if a lender is willing to make an offer. Then it's just a case of completing their online application.

Gone are the days of visiting your bank and filling out stacks of paperwork, only to be rejected and having to repeat the process elsewhere.

As soon as you digitally sign the lender's agreement, they will begin the automatic deposit process, which could see the cash in your account in as fast as one working day!

An Honest Agreement for 3 Month Payday Loans

All the direct lenders we work with follow federal and state regulation, meaning there will never be any hidden terms or fees.

Prior to digitally signing the agreement you will be able to read the terms and conditions, which outlines the repayment schedule and interest rate.

For example, a 3 month payday loan agreement will outline how much you would pay in 3 monthly installments, including the added interest.

Despite being so easy to apply, obtaining a loan via or service is still an important financial obligation and failing to repay the loan can result in added fees and collection proceedings. It will also negatively affect your credit rating.

Note: You can walk away from the application process at any time before digitally signing the agreement, with no obligation. Simply close the browser. You are of course free to return and apply again at any time.

Auto Repayment

You don't have to worry about arranging your repayments because the lender will automatically debit them from your designated bank account as per your repayment schedule. Of course, this means you must ensure the funds are there to cover it, but it also means you don't have to waste time doing a manual transfer or writing a check.

Get Started Today!

If you're looking for quick cash with more time to repay than a payday loan, then a 3 month loan might be just what you need. Use our loan connection service today, choose between $100 and $5,000, and you could be connected with a lender in a matter of minutes. Sign the contract and the cash could be in your account the next working day!