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📅 Loans With Monthly Payments —

Loans With Fixed
Monthly Payments

Know exactly what you owe every month. Fixed payment loans spread your repayment over 12 to 60 months. Bad credit OK. Scores from 500. Apply free in 2 minutes — same-day funding.

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✓ Bad credit OK  ·  ✓ No hard pull  ·  ✓ Same-day funding  ·  ✓ Free to apply
✅ Bad Credit OK
⚡ Same-Day Funding
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Home › Monthly Payments
Last updated: · Reviewed by Money247 Editorial Team
Loans with monthly payments — also called installment loans — give you a fixed amount due on the same date every month for the life of the loan. No surprises. No variable rates. No balloon payments. You know from day one exactly what you owe and exactly when you will be debt-free. Bad credit accepted. Scores from 500. Apply free in 2 minutes at Money247.com.
Key Facts
12–60 MoFixed repayment terms
$500–$50KMonthly payment loan amounts
500+Min credit score
FixedPayment — no surprises
Top Lenders —
⭐ #1 Top Pick — Money247
Money247 Fixed Monthly Payment Loans
Best OverallBad Credit OK
★★★★★
4.9 / 5
500+Min Score
$50KMax Loan
Same DayFunding
Why it's #1: 300+ lenders offering personal installment loans with fixed monthly payments. Bad credit accepted. Soft check only. Multiple competing offers mean you find the monthly payment that fits your budget before you commit.
Fixed monthly payment — no surprises12 to 60 month terms available500+ score acceptedKnow your payoff date upfront300+ lenders competeSoft check onlySame-day depositAll 50 states served
Apply Now — Check My Options →
🥈 #2 Best — No Minimum Credit Score
Income-Only Fixed Payment Loans
No Min ScoreIncome Only
★★★★★
4.8 / 5
NoneMin Score
$10KMax Loan
24 HrsFunding
Why it's #2: No minimum credit score. Fixed monthly payment plans for borrowers with any income source. No credit history required. Your payment amount is locked from day one.
No minimum credit scoreFixed payment from day oneIncome-only approvalSame-day deposit available
Apply With Any Credit Score →
🥉 #3 Best — Larger Loan Amounts
Large Fixed Monthly Payment Loans
Up to $50K550+ Score
★★★★☆
4.6 / 5
550+Min Score
$50KMax Loan
Same DayFunding
Why it's #3: Need a large loan with manageable fixed monthly payments? Up to $50,000 over 60 months keeps payments low even for larger amounts. 550+ score and income verification required.
Up to $50,000 fixed paymentsUp to 60 months to repayLowest possible monthly paymentNo prepayment penalty
Apply for Larger Loan →
How to Apply — 4 Simple Steps
1

Apply Free at Money247.com — 2 Minutes

Complete the short form from your phone. Enter your income and loan amount. Soft check only — zero score impact.

2

Get Matched With Lenders Instantly

300+ lenders review your application simultaneously and compete to offer you the best rate.

3

Choose Your Best Offer

Compare real offers by rate, monthly payment, and term. Hard inquiry only when you formally accept.

4

Sign and Get Funded Same Day

Sign electronically from your phone. Funds deposited to your bank account. Apply before 2 PM for same-day deposit.

Frequently Asked Questions
What is a loan with monthly payments?+
A loan with monthly payments — called an installment loan — gives you a fixed amount due on the same date every month until the loan is paid off. Each payment covers both principal and interest. You know your exact payment amount and payoff date from day one.
How is a monthly payment loan different from a payday loan?+
A payday loan requires full repayment in 2 weeks with rates of 400%+ APR. A monthly payment loan spreads repayment over 12 to 60 months with rates of 29% to 36% APR. Monthly payment loans are dramatically cheaper and far easier to manage on a budget.
How do I calculate my monthly loan payment?+
Use the free loan calculator at money247.com/loan-calculator.html. Enter your loan amount, interest rate, and term — it shows your exact monthly payment, total interest paid, and complete amortization schedule. You can also compare multiple offers before committing.
Will applying affect my credit score?+
No. Checking your rate at Money247.com uses only a soft credit inquiry which does NOT affect your credit score. A hard inquiry only occurs when you formally accept a specific loan offer.

Ready to Apply Free Now?

One 2-minute application reaches 300+ lenders. Bad credit accepted. No hard pull. Same-day funding available nationwide.

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Disclaimer: Money247.com is a loan matching service, not a direct lender. Loan approval is not guaranteed. Rates and terms vary by lender.

Know Your Payment —
No Surprises Ever

Apply free in 2 minutes. Bad credit OK. No score impact. 300+ lenders. Same-day funding available nationwide.

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