How to get a loan for 18 months

18 Month Payday Loans

If you want a payday loan and you want 18 months to pay it off, we can help. Even if you have bad credit, we can get you a loan quote. Even better, you may be able to qualify for an installment or personal loan instead. This might get you better rates and more money. Get started now.

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Getting Your 18 Month Payday Loan Quote

Getting your loan quote is very easy, Just go through a few simple and fast steps and you will be all set. Here is how everything will work.

First, Fill Out The Quote Form

The quote form at the top of the page, will ask you for just a few simple bits of information. Fill in your name, your income information and your bank information so that your lender can get you your money if you are approved.

Everything is handled securely to protect your information just as much as possible. Notice the lock in the website address bar, that means you are on a secure website.

Next, Submit Your Form

Take a second and read over the terms and conditions and then submit your information. It will then go to the loan network, which is where you will notice the biggest difference from other loan processes.

The great thing about getting a quote through the Loan Monkey website is the number of lenders. With a direct lender, if you get turned down, the process stops. With a network, your information goes securely from lender to lender until one is found that wants to work with you. They will then submit an offer to you. It can potentially greatly speed up the time it takes to get an approval so that you can handle your emergency.

Now, It Is Time To Review Your Offer

If approved, a lender will send you an offer or you will be directed to visit their website. This is where you have the chance to review the details of the offer. DO this before you submit, don’t be in a rush.

Finally, You Get Your Loan Money

Once you have agreed to the loan, your lender will send you the money quickly. Most borrowers can have their money as soon as the next business day, just like with payday loans. When you have your money, you can do with it as you please.

Why Would You Want An 18 Month Loan

There are a lot of reasons why you would want an 18 month loan instead of a regular old payday loan.

More Time To Pay

The chief reason that you are looking for an 18 month loan is to give you more time to pay it back.

With a regular payday loan, you have to pay it back on your next payday. That is where they get the name. There are a lot of problems that can be caused by that.

First, when you pay it back, you have a huge portion of your paycheck that will be missing. Can you make enough cuts to do without it? Probably not which is why so many people just end up taking another payday loan out.

The second problem with having such a short loan term is that it does not give you enough time to handle your emergency. Before you have a chance to get your finances in order, the loan is dues. This is trouble.

When you take out an 18 month loan on,  the other hand, you can split up the payments over a longer time. This gives you more time to get your situation in order and makes the payments more manageable.

More Money To Borrow

Installment loans are not as limited as payday loans. Payday loans are regulated by most states, so you can only get so much money.

With an installment loan, you can take out more money. This might help you deal with your emergency more effectively. Plus, since your loan will be for 18 months or longer, your payments will still be manageable.

In addition, depending on the state that you live in, you might not be able to take out a payday loan at all.

Top Loan Questions

After reading the above, you still might have some questions. We can help with that. Here are questions that we come across the most. Hopefully, they will help. If not, contact us by email or phone.

How Can I Get A Small Loan Fast?

Easy, just fill out the loan form at the top of the page. It takes just a few minutes for you to get your answer. If you are approved, your lender will get your money just as fast as possible.

What’s The Easiest Loan To Get With Bad Credit?

The easiest loan to get with bad credit, might not be the best. A payday loan will usually get you money, even with bad credit.

A better choice, if you qualify is an installment loan. It will give you more money, typically a lower interest rate and longer to pay it. You can have 18 months or even longer to complete paying back your loan.

Can I Get Money ASAP?

We are not a direct lender but give you access to a large network of lenders. The lenders in the network will do everything possible to get you the money that you need just as soon as possible.

Many times, you can have your loan money as soon as the next business day. Bank holidays and weekends will, of course, delay your loan funding.

If I Have a 550 Credit Score, Will I Be Approved?

Since we are not direct lenders, we can not answer that question. We can, however, say that there are all sorts of lenders in the network with all sorts of requirements. This gives you the best chance of approval.

Posted by

James Car is a finance, loan and budget expert based in the United States. After attending Brookhaven college, he went on to become a successful entrepreneur. He now enjoys writing articles that help people save and make the most of their money.