Insta answers with InstaLoan.

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Get the best loan for you.

InstaLoan helps hundreds of people get the cash they need every day. We make the lending process easy and strive to put cash in your pocket as quickly as possible. Most InstaLoan customers are in and out of our stores in as little as 30 minutes. Learn more about InstaLoan by reading our frequently asked questions below.


How much cash can I get with InstaLoan?

You can get up to $2,500* in Florida. We work to get you the most cash possible based on your need and your ability to repay. And we do it insta fast, in as little as 30 minutes to get you the cash you need with InstaLoan.

What are the interest rates on an InstaLoan?

InstaLoan offers competitive interest rates on all of our loan products. We understand that the more competitive we keep our interest rates, the easier it is for you to pay off your loan. And at InstaLoan, we try to keep the lending process as easy as possible.

What is the best type of loan for me?

That really depends on your individual needs and circumstances. If you just need some quick cash and have a decent credit history, a signature loan is probably going to make the most sense. If your credit history isn’t the best, then a 1st lien loan will most likely suit your needs best. InstaLoan will work with you to determine which loan works best for you.

What types of loans are offered by InstaLoan?

InstaLoan is focused on providing all types of people with the cash they need, no matter what their circumstances. That’s why we offer numerous different loan products: 1st lien loans, signature loans, and personal loans.

What is a personal loan?

A personal loan with InstaLoan is an excellent option for getting cash whether you’re still making car payments or have a vehicle that’s been paid off. You can get the cash you need in about 30 minutes with a personal loan from InstaLoan.

What is a signature loan?

A signature loan is a really convenient way to get cash fast. All you need is a government-issued ID (driver’s license, passport, etc), a checking account, proof of residence, and either a paystub or bank statement. If all requirements are met, you may be able to get $250 with a Signature loans from InstaLoan.

Do you offer payday loans?

No, we offer a smart alternative- Signature Loans. A signature loan with InstaLoan is a better option than a payday loan with another lender. The fees and interest rates can be lower with a signature loan; therefore, it is the less expensive option. Our experienced team will work with you to repay with ease and continue living your life comfortably.

Read more about Payday Loan vs Signature Loan.

What is a cash advance?

A cash advance is a short-term loan similar to a payday loan. Cash advances usually come with high interest rates and are under $1,000. InstaLoan doesn’t offer cash advances but we do offer personal loans, where you can get a larger amount of money at a highly competitive interest rate.

What is a 1st lien loan?

A 1st lien loan is a way for people who own their car to get cash using their vehicle as collateral. With a 1st lien loan, your credit score only plays a small part in the approval process. InstaLoan always does everything possible to get you the cash you need.

Why is InstaLoan a good choice for getting a loan?

InstaLoan makes getting cash easy! We offer a range of loan types so we can help you with the one that works best for you. Plus, with InstaLoan you get the cash you need fast, while most other lenders can take days to get you your money.


What is the process for getting a loan with InstaLoan?

The loan process with InstaLoan is fast and simple. All you need to do is… Stop by any InstaLoan location or start the application process easily online today! A friendly customer service agent will explain all of the different loans offered by InstaLoan, so you can determine which one works best for you. Complete a short questionnaire. Get the cash you need!

How long does it take to get an Insta Loan?

InstaLoan can approve you quickly for a loan and you’ll typically get your cash in about 30 minutes.


What do I need to be approved for a loan?

Depending on the type of loan you apply for, you don’t need much to be approved with InstaLoan. For the signature loan that we offer, you will need a valid government-issued ID (driver’s license, passport, etc), a checking account, proof of residence, and either a paystub or bank statement. If you’re getting a personal loan, you will need a valid government-issued ID (driver’s license, passport, etc.), proof of residence, a bank statement or paystub, and either be up-to-date on your car payments or have a car that’s paid for with the title to it. With our 1st lien loan, you will need a vehicle with a clear (or lien-free) car title, a valid government-issued ID, proof of residence, and proof of income to get cash. At InstaLoan, we make getting the cash you need as easy as we possibly can.

Do I need good credit to be approved for a loan?

One of the great things about InstaLoan is that we don’t require you to have good credit. We can typically get you cash no matter if you have good credit or bad credit.

Do I need to have a car title to get a loan with InstaLoan?

You only need a car title if you’re getting a 1st lien loan from an InstaLoan store. But all of our loans require you to have valid government-issued ID.

Do I need to have a job to be approved for a loan?

No, it’s not a requirement that you’re currently employed to qualify for a loan with InstaLoan. However, you do need to have the means to repay the loan, so you must provide proof of income. Acceptable forms of income include: investment income, disability income, retirement income, unemployment income, and various other forms of income.


How often do I have to make a payment?

Typically, a payment is scheduled to be made in 30 days or as a monthly installment. InstaLoan will work with you to setup your payment information based on your individual set of needs and circumstances.

How do I make a payment on an InstaLoan?

Your convenience is our priority at InstaLoan. That’s why we offer various payment options. Payment options and terms vary by state and product. Please visit our Payment Guide to learn more about your InstaLoan payment options.

Is there a pre-payment penalty?

InstaLoan never charges its customers for making payments early. We actually encourage you to pay your loan off as quickly as possible. The faster you pay it off, the less interest you end up paying.