Personal Loans Designed for You
Flexible, affordable installment loans from $200 to $1,800. Get the money you need with terms you can understand.
Installment Loans
Our signature product is a Chapter 342 regulated installment loan. Unlike payday loans that require full repayment in a couple of weeks, our loans allow you to pay back over time with fixed, manageable monthly payments.
$200 - $1,800
Based on income & ability to repay
6 - 12 Months
Flexible repayment schedules
What You Need to Apply:
- Valid Government-issued ID
- Proof of Income (Pay stubs, bank statements)
- Proof of Residence (Utility bill, lease)
- Social Security Number (for credit reporting)
Example Loan
Representative example of cost
Frequently Asked Questions
Do you check credit?
Yes, we do perform a credit check. However, we consider more than just your credit score. We look at your income, employment stability, and ability to repay. We specialize in helping people with less-than-perfect credit.
How long does it take to get approved?
Most applications are processed within minutes. If you apply during business hours, you can often get funded the same day.
Is A+ Finance a payday lender?
No. We are a regulated installment lender licensed under Chapter 342 of the Texas Finance Code. Our loans have longer terms, lower rates than payday loans, and fixed monthly payments.
Can I pay off my loan early?
Absolutely! There are no prepayment penalties. In fact, paying off early will save you money on interest.