USA Credit Aid Personal Installment Loans

Check your eligibility online without affecting your credit score.

This won’t affect your credit score.

We offer customizable personal loans, ranging from $1,000 – $100,000, with a simple and fast loan application. Because installment loans are a long-term commitment, we offer you the ability to choose the amount and term length that best matches your financial situation.

Installment Loans — From Start to Finish

1 Check Your Eligibility

At USA Credit Aid we look at the full breadth of your financial history, not just your credit score, to make our loan decision. It’s simple to apply: Complete our short online application, receive an instant eligibility decision and, if eligible, view your loan offer.

Eligibility checks will not affect your credit score. When we pull your credit report, we perform a soft inquiry that will not be visible to third-parties, and it’s not used in calculating your credit score.

2 Customize Your Loan

Your loan offer will present you with the highest loan amount you qualify for. You can then customize the amount you want, whether it’s the full amount or not, and choose your repayment period. Choose a longer repayment period for lower payments or a shorter repayment to accrue as little interest as possible.

3 Sign Your Contract

Once you’re satisfied with the loan details you’ve chosen, you will need to accept your offer by signing the contract. As part of our final approval process, we will pull another credit report after you’ve signed. This particular pull will be a hard inquiry and will be visible to other third-parties. It may affect your credit score.

4 Get Final Approval and Funding

In some cases, we are able to provide a same-day approval decision after your contract is signed. However, it could take longer if we need to verify certain information on your application. If your application is approved, the requested funds could be deposited into your account as early as the same business day.*

Repaying Your Loan

Repayment Methods

When you apply, you can choose between two repayment methods: EFT and paper check. With EFT (electronic funds transfer), your payments will be withdrawn from your bank account. We also offer a repayment via a paper check option if you prefer to pay using traditional checks. Visit our FAQ page for more information about repaying.

Successful Repayment and Credit Reporting

We report repayment details to two of the major credit bureaus. As you pay back your loan, those payments will appear on your credit report and can help build a positive credit history. However, that means we also report missed payments. If payments are missed, you could potentially see a negative impact on your credit score.

Early Repayment

USA Credit Aid offers you the chance to make payments ahead of schedule or pay off your loan in full at any time with no penalties. This option can help you save on interest. For more information about our early repayment options, please visit our Early or Additional Payments page.


We offer refinancing options to eligible customers in certain states. Depending on your eligibility, you may be able to either:

  • Lower My Payment: Refinance your balance with a new contract and repayment schedule.
  • Borrow More Money: Borrow more money (if you did not initially borrow the full amount you were approved for or if you have paid back a significant amount of your current loan) and refinance your existing balance.

Visit our FAQ page for the full details on how our refinancing works.

Full Repayment and Additional Loans

Once your final payment has been processed, you will again become eligible to apply for another online loan with USA Credit Aid. If approved for a subsequent loan, you may request the same amount and terms or customize the terms to best suit your new or continuing financial needs.

This won't affect your credit score.

* Approved applications are typically funded next business day. Applicants who submit a loan application before 8:00 a.m. CT Monday – Friday may receive their funds the same day. Approval subject to additional verification. Failure to provide additional documentation promptly may delay funding.

✝ Max loan amount will vary by state.

CA residents: USA Credit Aid BEACHFRONT CREDIT SERVICES d/b/a USA Credit Aid is licensed by the Department of Business Oversight. Loans made pursuant to a California Financing Law license (License No. 60DBO-95492).

© 2019-2020 USA Credit Aid