How to Apply for an Installment Loan

Applying for an installment loan with us is simple and efficient.

1. Start by completing our online application form, which only takes a few minutes.
2. After you submit your application, you will quickly receive a response.
3. If approved, sign the loan contract digitally, and we will deposit the funds directly into your bank account.

It’s a fast, straightforward process designed to get you the money you need without hassle.

Rates and Terms

Our installment loans come with flexible rates and terms. Interest rates for installment loans can vary, with annual percentage rates (APRs) ranging from 295% to 600%, depending on the amount borrowed and your credit profile. Loan terms are typically available from 3 to 12 months, allowing you to choose a repayment schedule that best suits your financial situation.

Example of Loan Repayment

For example, if you take out a $1,000 installment loan with an annual percentage rate (APR) of 295%, you could choose to repay it over 11 months with payments ranging from $238.78 to $239.74 each month. Alternatively, if you opt for bi-weekly payments with an APR of 291.19%, you would make 23 payments of around $122.67. This flexibility allows you to choose a repayment plan that works best for you.

Can I Get an Installment Loan in Austin with Bad Credit?

Yes, our installment loans are available for individuals with bad credit. We understand that financial situations vary and that a less-than-perfect credit score shouldn’t prevent you from getting the help you need. Our application process is designed to be inclusive, and we work with a range of lenders who consider various factors beyond just your credit score. Even if you have bad credit, you may still qualify for an installment loan with us.

Why Choose La Flaca Loans for Installment Loans in Austin?

We understand that every financial situation is unique. Our installment loans are designed to be flexible, with terms that can be customized to suit your needs. We provide quick approvals, often within minutes, and ensure complete transparency with no hidden fees. By choosing us, you can manage your payments over time, helping you handle your finances more comfortably.

Loan Alternatives and Uses

Besides installment loans, consider our other options if they better suit your needs.

• Payday loans provide quick access to cash for urgent expenses, with funds typically available within a short time frame.
• Tribal loans may offer unique benefits and flexible terms.
• Personal loans offer a broader range of uses with potentially lower rates.
• Title loans use your vehicle as collateral, providing funds based on the value of your car.
• For federal employees, allotment loans provide easy repayment through paycheck deductions.
• If you’re managing multiple debts, debt consolidation loans can simplify your payments into one manageable sum.