Concora Credit App Installment Loans With Fixed Payments

Borrow $200 to $5,000 once and repay it in equal installments — a predictable alternative to payday loans and revolving credit.

$200–$5,000 · All credit types considered
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No impact to check offers Decisions in minutes
How much do you need?$1,000
$200$5,000
Estimated monthly payment$95.04
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Estimate only. Checking offers won't affect your credit score. Not all applicants qualify for the lowest rates.

Equal payments

Budget-friendly fixed installments.

3–36 month terms

Pick the term that fits your budget.

No balloon payment

Paid off in full on your final installment.

Why choose an installment loan?

With an installment loan, each payment covers interest and part of the principal, so the balance goes down every time you pay. That makes installment loans more predictable — and usually less expensive — than rolling over short-term payday loans.

Common uses

  • Planned purchases
  • Spreading out a large bill
  • Replacing a payday loan
  • Credit-building with fixed payments

Rates & terms

Amount$200–$5,000
Terms3 to 36 months
APRTypically 5.99%–35.99%, set by the lender
FundingAs soon as the next business day
Representative example: A $1,000 loan repaid over 12 monthly payments at 24.99% APR would have a payment of about $95.04 per month, for a total of $1,140.47 (total interest $140.47). A $2,500 loan over 24 months at 29.99% APR would be about $139.77 per month, $3,354.46 in total. Your actual rate, fees and terms depend on the lender, your state and your credit profile and are shown before you accept.

How to apply

  1. Complete our secure request form.
  2. Get matched with a lender — soft inquiry only.
  3. Review and e-sign your offer.
  4. Receive funds by direct deposit.

Frequently asked questions

What is the difference between an installment loan and a payday loan?

An installment loan is repaid over several months in equal payments; a payday loan is usually due in full on your next payday.

How much can I borrow?

You can request a personal loan from $200 to $5,000. The amount you're offered depends on the lender, your income, your credit profile and your state.

Will applying hurt my credit score?

Checking offers uses a soft credit inquiry, which does not affect your credit score. A lender may perform a hard inquiry only if you accept an offer and proceed.

Can I pay off my installment loan early?

Many lenders allow early payoff with no prepayment penalty. Check your loan agreement.

Have a Concora Credit card too?

Many people who request an installment loan through ConcoraCreditApp also carry a Concora Credit card such as Milestone®, Destiny® or Indigo®. A fixed-rate loan with a set payoff date can cost less than carrying a high-APR balance on a Concora Credit card month to month.

  • Keep your Concora Credit card open and in good standing — its on-time history still helps your score.
  • Keep the card balance low after the loan funds, so your utilization drops.
  • Compare total cost — loan APR and fees vs. your Concora Credit APR. See Concora Credit rates & fees.

Read more: loans for Concora Credit cardholders.

Ready to get your loan?

Request $200–$5,000 in minutes. Checking your offers won't affect your credit score.

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