Clear terms. Payments that stay the same each month.
Choose your amount and a term from 3 to 24 months. Review your APR, monthly payment, and total repayment before you decide.
About five minutes from start to funding decision. Nothing is final until you have seen the APR, the payment, and the total repayment in writing.
Complete the online application with the amount you need, your income, and basic contact details. Checking your rate uses a soft credit inquiry that only you can see.
About 5 minutesReview competitive rates and repayment schedules side by side: APR, monthly payment, due dates, and the total you will repay. There is no obligation to accept an offer.
Instant on most applicationsOnce you e-sign, approved funds are sent by electronic transfer to your eligible checking account. Your first payment is due about 30 days later.
As soon as the next business daySet the amount and the term and the figures update instantly. These are sample rates by loan size; your own rate depends on your credit profile, income, and state, and is disclosed before you accept.
Interest accrues on the balance you still owe, so it shrinks every month while your payment stays the same. Pay ahead at any time and the finance charge above drops with it, because there is no prepayment penalty.
Each page shows the payment at every available term, the income that comfortably supports it, and the states where that amount is allowed.
Different questions need different maths. These run on the same rate table as the calculator above.
Three amount bands, one application. Every option is an installment loan: you borrow once and repay in equal monthly payments until the balance reaches zero.
A small emergency loan for a bill that cannot wait: a utility shut-off notice, a prescription, or a short gap before payday.
Check your rateOur most common loan. Enough for a car repair, a vet bill, or a security deposit, with a payment that fits a monthly budget.
Check your rateA larger personal loan for a planned expense, or to consolidate several high-interest balances into one fixed monthly payment.
Check your rateThe same figures that appear in your loan agreement, shown before you apply. Every example below assumes no origination fee and equal monthly payments over the full term.
| Amount borrowed | Term | Representative APR | Monthly payment | Total finance charge | Total payback |
|---|---|---|---|---|---|
| $500 | 6 months | 29.9% | $90.75 | $44.50 | $544.50 |
| $1,000 | 12 months | 29.9% | $97.44 | $169.28 | $1,169.28 |
| $2,500 | 18 months | 22.9% | $165.41 | $477.38 | $2,977.38 |
| $5,000 | 24 months | 22.9% | $261.62 | $1,278.88 | $6,278.88 |
Origination fee $0 · Application fee $0 · Prepayment penalty none · Late fee $15 after a 10-day grace period · Returned payment fee $15 · Autopay discount 0.25 percentage points. Full APR range across all loan sizes: 22.65% to 35.90% fixed.
See rates and feesTake the highlighted row: borrow $1,000 for 12 months at a representative 29.9% APR and you pay $97.44 a month. The finance charge of $169.28 is the entire cost of the loan, so you repay $1,169.28 in total. Nothing is deducted from the amount deposited.
More cost examplesConsumer lending is licensed state by state, so the amounts, terms, and maximum rates available to you are set by your state's usury and small-loan statutes. Our $200 to $5,000 range and 3 to 24 month terms are offered only within those thresholds. Select your state to see its specific limits and our license number there.
Availability depends on where you live, not where you work. States shown in outline are not yet served, and no one may offer you a loan on our behalf there.
Honest accounts from six borrowers: how long funding took, whether the figures matched, what happened when plans changed, and what they would have done differently.
I signed on a Thursday evening and didn't expect much before the weekend. The money was in my checking account Friday morning. Covered my transmission repair without draining what little savings I had. The monthly payment matched the offer exactly.
My score was sitting around 580 after a rough couple of years, so I expected a flat no. They looked at my income and payment history instead. Got approved for $400 over six months. Payments were manageable and I didn't miss a single one.
I've been caught by origination fees before — money promised, less money deposited. Here the full $2,500 hit my account, nothing deducted. The monthly draft was identical to the number in the offer, twelve months in a row. That consistency matters more than people realize.
Filled out the form on my phone during a lunch break. No documents to upload, no waiting around for a callback. The soft credit check didn't move my score. I had a real offer with a real APR in front of me in under ten minutes.
My hours got cut mid-loan and the 15th stopped working for me. Called and asked to move the due date to the 28th. They did it without a fee for the remaining payments. I'll take a star off because it took two calls to reach someone, but the outcome was fair.
Used payday loans before and always felt like I was just rolling the problem forward. Set this one up for 24 months on $3,500, then paid it off at month 14 when things improved. No penalty, interest just stopped. That's the difference — there's actually an exit.
We invite every borrower to review us after their final payment, publish the negative alongside the positive, and never edit or pay for a review.
Eligibility, credit impact, deposit timing, and repayment, answered plainly. Checking your rate carries no obligation and no effect on your score.
You need to be 18 or older, a U.S. resident in a state we serve, with a regular source of income from work, self-employment, or benefits, an active checking account, and a valid email and mobile number. Approval also depends on income verification and credit review, and is never guaranteed. Full details are on our eligibility page.
Loan amounts range from $200 to $5,000, within your state's legal limits. What you qualify for depends on your income, existing obligations, and credit profile. First-time borrowers are often approved for smaller amounts, with larger amounts available once you have a repayment history with us.
No. A rate check uses a soft credit inquiry, which is visible only to you and never affects your score. A hard inquiry is recorded on your credit report and can shave a few points temporarily, and it happens only if you accept an offer and move to signing.
Approved loans are sent by electronic transfer as soon as the next business day after you e-sign. Applications completed late in the day, on weekends, or on bank holidays may take one additional business day, and your own bank's posting times apply.
You repay in equal monthly payments, by autopay or manually, on a due date you choose. There is no prepayment penalty, so paying ahead reduces your total finance charge. Options for changing a due date or setting up autopay are covered under managing your loan.
Contact us before the due date if a payment will be late; we can usually move a due date once per loan. After a 10-day grace period a $15 late fee applies, and missed payments may be reported to the credit bureaus. We never roll your loan into a new one or add fees you were not shown.
No. A payday loan is typically due in full on your next payday and is often rolled over with new fees. A TrueLink loan is an installment loan: the payment is fixed, the term is 3 to 24 months, and the balance only goes down.
We verify income through documents or a read-only bank connection, not by calling your workplace. We communicate only with you about your loan, and we follow the federal Fair Debt Collection Practices Act in every contact.
Practical reading before you borrow, including the times when a loan is not the cheapest answer available to you.
Payment history and utilisation drive most of a score. What to prioritise first, what barely matters, and how an installment loan fits into the mix.
Read the guide →A lump sum due on payday and a 12-month installment loan can carry similar rates but very different outcomes. Here is the arithmetic side by side.
Read the guide →Hardship plans, LIHEAP and 211 assistance, credit union payday alternative loans, and the 20% rule for keeping a new payment affordable.
Read the guide →True Link Finance operates as a . Loans are made by , NMLS ID , licensed in each state where we operate. If we act as a connection service in your state, we do not make credit decisions or fund loans, and the lender matched to you sets its own rates and terms. See our state licenses and NMLS record, or read how we make money.
Loans in this range carry high APRs relative to secured credit and are built for short-term needs, not long-term borrowing. Repeatedly taking new loans to cover old ones leads to a debt cycle that costs far more than the original shortfall. Free help is available from a nonprofit counsellor through the NFCC at nfcc.org, and from the CFPB at consumerfinance.gov. Our responsible lending policy sets out who we decline and why.
A rate check on this site is a soft inquiry used to pre-qualify you, and it does not affect your credit score. It is not a guarantee of approval. Completing an application authorises a hard credit inquiry with one or more bureaus, which is recorded on your report and may lower your score temporarily. Details on what we check and on how we protect your data.
All figures on this page are sample pricing for illustration until replaced with current approved rates. Amounts, terms, and APRs vary by state and by applicant, and not all applicants qualify. Rate tables and examples are reviewed whenever pricing changes and at least quarterly under our editorial policy. Last reviewed by , one of our team.
Choose an amount between $200 and $5,000, pick a term, and get an offer that shows the full cost before you decide. We never ask for a fee before funding a loan; anyone who does is not us.