3-Month Payday Loans: Fast Cash You Can Repay Over 90 Days
A 3-month payday loan is a short-term cash advance that you repay in several scheduled payments over roughly 90 days instead of in one lump sum on your next payday. In most states, this product is legally treated as a small installment loan rather than a traditional payday loan, because many payday-loan laws cap terms at 7-45 days.
Lenders still review your income instead of your credit score, so people with fair or poor credit often qualify. The trade-off is a higher cost than a bank or credit-union loan.
Who Is Eligible?
You can usually qualify for 3-month payday loans if you meet all of these basic requirements:
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At least 18 years old and a U.S. resident
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Verifiable net income of $1,000+/month (paycheck, benefits, or self-employment)
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Open a checking account that accepts ACH deposits and withdrawals
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Valid Social Security number or ITIN
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Working phone number and email address
Lenders may run a soft credit check, but perfect credit is not required. Some states restrict loans to one outstanding payday-style loan at a time or cap the total borrowed across all lenders.
What to Expect: Loan Amounts, Terms, and Rates
The table below shows common ranges you might see after you are matched with a direct lender. Exact numbers depend on your state, income, and lender policies.
|
Loan Amount |
Repayment Term |
Number of Payments |
Estimated APR* |
|
$100 – $500 |
60 – 90 days |
2 – 3 |
300% – 650% |
|
$501 – $2,500 |
90 – 120 days |
3 – 5 |
95% – 400% |
|
$2,501 – $5,000 |
90 – 180 days |
4 – 6 |
60% – 200% |
*APR combines interest and any mandatory fees and lets you compare cost across lenders. Nearly every state sets an upper APR limit.
Cost Example: If you borrow $500 in Missouri with a 360% APR, you'll make three equal payments of about $217 over 90 days. The total repaid amounts to $651, including a finance charge of $151. Missing a payment may trigger a $15–$30 late fee, and since most lenders use automatic withdrawals on your selected due dates, it's important to ensure funds are available.
If speed matters and you understand the cost, submit one application with 24CashFast and get matched with multiple licensed lenders in minutes.
How 24CashFast Helps You Get Funded—Even with Bad Credit
We are a free loan-matching service. You complete one short online application that takes about five minutes. Our secure system instantly delivers your request to dozens of licensed lenders that offer 60- to 180-day payday-style installment loans in your state.
This multiple-match approach saves you time by avoiding repetitive applications, raises your approval odds by connecting you with more potential lenders, lets you compare actual offers side by side before making a decision, and uses only a soft credit inquiry that won't affect your FICO score.
Complete Your Loan Request 100% Online
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Click "Get Started" and complete 24CashFast's secure form with your contact, employment, and banking details.
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Review loan offers that appear on your screen. Read each lender’s APR, repayment schedule, and fee breakdown.
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Choose the offer you like. You’ll sign the lender’s e-contract, and the lender will fund your loan—often by the next business day.
The entire 24CashFast process is online and typically takes less than 10 minutes from application to offer selection. You don't need to fax documents unless a lender asks for extra proof of income. Keep your latest pay stub or benefit statement handy in case of verification.
Can You Get a 3-Month Loan With Bad Credit?
Yes. Most direct lenders in the 24CashFast network focus more on your current income and banking history than on your FICO score. Expect higher APRs if your credit file shows recent charged-off accounts or overdrafts. If your application is denied, you can:
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Ask about using a co-borrower with stronger credit
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Offer a partial cash down payment to reduce the amount financed
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Work on improving your credit and reapply later
Important State Rules to Know
Small-dollar lending is regulated at the state level. Some states, such as Colorado and Ohio, allow 90-day installment payday loans but cap total finance charges. Others, like New York and Illinois, ban payday lending completely. When you enter your ZIP code on 24CashFast, our system automatically filters out lenders that cannot operate in your state, so you only see legal offers.