3 Month Payday Loans: up to $100-5000


How it works?

If you found yourself in a difficult financial situation needed urgent solution in the form of a payday advance? You have chosen the right way to solve all your financial problems with our payday advance loans! There are for easy steps to get cash advance quick.

Know your situation

Before going to apply for the payday loans first, you should know your present situation. It is the best option for the short term loans to fulfill the necessary expenses.

Choose amount you need to borrow

You should to decide which amount you need to solve your financial situation. We offer 3-6-12 month payday loans from $100 up to $2500.

Fill out application form

Complete our basic online application. The application is short and secure. You will need your mobile phone handy to receive our validation code.

Get your payday advance

Receive your money directly to your account. Solve your problems. It's quick and easy.

Apply Form for Payday Loan

You are in a few minutes to get your money.

Apply Form for Payday Loan

You are in a few minutes to get your money.

What is 3 Month Payday Loans?

Short cash advances have turned into the major alternative for people with bad credit. While most banks and official financial intuitions fail to provide urgent financial support, borrowers have nothing to do but to opt for more flexible alternatives in the face of 3-month payday loans. They do not require detailed credit checks. They are pretty simple to obtain. Moreover, such cash advances appear to be a good way to improve the credit score for the future.

3-month payday loans are becoming pretty popular with customers who need urgent cash right here and right now. The name of the cash advance speaks for itself. The term to pray is three month although there are some other variants including 6 and 12-month loans. The service is quite new to both beginners and experienced borrowers.

For this reason, this article is to highlight the main issues as well as pros and cons related to such cash advances. However, we are still to mention that such loan types are certainly worth mentioning, as more and more people are able to take advantage of them.

Why People Are Opting For 3 and 6 Month Payday Loans

Imagine yourself with a steady job and good enough monthly salary not to live from hand to mouth. Sounds exciting, doesn’t it? But what should one do if he or she runs out of money before the salary date? What if you have your back against the financial wall somewhere in the middle of the month? Would you ask for help from your relatives or friends? Hardly. 3-month payday loans might appear to be a better solution.

The reasons to opt for them may be different. They may not only be related to cash troubles. We should take into account their flexibility as well. Let’s review some of the most popular reasons why people tend to choose 3-month payday loans.

Reason #1 – More Time to Repay

That’s right. As a rule, a borrower has not more than 14-31 days to pay the bills. Sometimes it is not enough while each delay results in extra fees. A customer finds him or herself in the financial trap. The situation with 3 or 6-month payday loans is quite different. You have plenty of time to repay as well as to conduct a payment schedule depending on your monthly income. Summing up, a longer repayment term is one of the key reasons to choose such type of cash advances.

Reason #2 – Affordable Loan Cost

This one applies not to all lenders of firms. However, as a rule, the APR rate is a bit lower if compared to traditional payday loans. In other words, a customer may feel more relaxed with the payments, as we are not dealing here with secured financial services that mainly rely on borrowers’ next wage. Moreover, the APR rate is smoothly divided throughout the entire repayment period that may range from 3 to 12 months.

Reasons #3 – Higher Loan Amount

The longer is the payout period, the more money you may access. In other words, 3-month payday loans let customers apply for more cash if compared to traditional cash advances. We will discuss this particular issue a bit further indicating the exact sums depending on specific conditions.

Reason #4 – Negotiate the Loan

3, 6 or 12-month payday loan lenders are always open to negotiate the terms of the agreement before or even after singing it. There is always a chance for the customer to count on the extra extension of the payout term. All you need is to have a clear and worthy reason for not being able to repay on time.

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How do 3&6 month payday loans work?

There is no crucial difference between 3, 6 or 12-month payday loans. The main difference is the repayment term while the requirements are actually the same. For instance, an applicant should have a steady job for at least 90 days in the same firm. As a rule, customers may apply for $100-$5000 depending on the firm.

3 Month Payday Loans

The main idea is that you can pay by a moth with three equal parts to repay. The sum is divided into three equal parts that already include all commissions and the APR rate. In other words, here we have 3 installments that are manageable. Good news is that you will have some time to get ready for the first payout. With such a schedule, it is much easier for the borrower to cover the debt.

6 Months Payday Loans

These are cash advances for people who require up to 180 days repaying. The regulations regarding such loans are pretty tight especially in terms of commissions. On the one hand, the government tracks the process of providing financial services. On the other hand, customers are protected from unfair companies.

12 Month Payday Loans

It is yet the longest cash advance customer may access if not considering conventional loans. As a rule, it takes about 20 minutes for the lender to review the application and approve it. In some cases, the procedure may take up to 24 hours while the necessary sum is transferred instantly.

How much do 3-month payday loans cost?

As it was said before. Long cash advances are among most tightly regulated. For customers, it means no hidden fees or extremely high APRs. The cost will depend on the amount you actually borrow.

The Repayment Schedule

Let’s say, you need to borrow $100 for the 3-month period. In this case, the loan will consist of three installments. The calculations are pretty easy, as the total sum is divided into three manageable parts of $51. As a result, you will need to repay $151, where $51 is the loan cost including all the charges and APR rates. Such clarity works fine for those who want to plan their spending ahead. Moreover, there is a lower risk of missing the deadline.

Benefits and drawbacks of 3-month short-term loans

While the demand in cash advances is growing rapidly, more and more companies offer their services. There is always the risk of coming across unfair lenders although such type of cash advance is regulated. At the same time, you need to be 100% sure, you will be able to repay while the requirements are a bit stricter if compared to fast cash advances. It all results in some major 3-month payday loan hits and misses.


  • They feature a longer payout period.
  • They are available online.
  • The regulation is tighter.
  • No hidden fees and clear pricing.
  • The loan depends on your monthly wage, making it easier to repay.
  • The approval does not take much time.
  • No credit check.


  • Strict requirements to meet (you need to work at least three months with the same employer with enough salary to apply).
  • You will have to repay a 150% higher sum if compared to the initial loan.

Need A Payday Loan?

A Poor Credit Rating Does This Affect My 3 Month Loan Application?

Just like in the situation with other popular types of cash advances, 3-month loans do not rely on the client’s credit score. First of all, you are free to use the money you get on any purpose. It does not actually matter how you are going to utilize them.

At the same time, lenders do not check your credit. They are more focused on your salary rate as well as working experience and occupation. For this reason, the requirements are generally the same as with other payday loans. The applicant must be over 18 and have US-based citizenship.

Moreover, he or she must have a permanent place of work in the same company or firm for at least 90 days. The loan does not apply to people who were recently fired. Other loans will not affect the decision as well. You should note that the rule might be different from company to company. You should check your state jurisdiction and terms established by some of your local lenders.

Loans you can pay back monthly with bad credit

Repaying on mostly basis is always better for the borrower instead of covering the debt 14 days after accessing necessary cash. This one especially refers to people with poor credit. However, for some time a bad score is no longer an obstacle when getting financial assistance. Here are some major loan types that might be repaid on a monthly basis.

Installment Loans

When you access these particular services, you will generally have to repay a series of regular and fixed installments. Despite the fact, they are available for people with bad credit, the repayment period may be extended up to 7 years depending on particular conditions. Good news is that a borrow still has a chance to negotiate the terms with the lender.

Short-Term Loans

Also known as short-term financing, this type of cash advance may generally help whenever you need to cover urgent expenses like house or car repair, vacation, etc. Although most lenders provide them on two or three-week basis, the period may be extended up to 6 months making them a good option to pay month after month.

Credit Card Loans

It may hardly be a good alternative to other types of loans, although it is still worth consideration. The main problem about credit card loans is the APR rate and commissions. They are supposed to be the most expensive for the borrowers. On the other hand, one would hardly argue they are extremely convenient featuring extended repayment period up to years. You spend as much as you need and repay on a monthly basis taking advantage of commission-free periods and other special offers depending on the issuer.

What Are Online Loans with Monthly Payments?

How many times have you had your back against the wall due to lack of cash? Financial stumbling blocks always come unexpectedly. Instant loans are the only tool to get ready for any emergency whether you need to pay the rent, cover another debt or have to pay for the education. The term “instant loans” means instant access to a necessary sum. The key features are as follows:

  • Online accessibility and fast approval.
  • Instant decision and money transferred to your account.
  • Fast repayment and flexible schedules.

It is all about speed and convenience. At the same time, we should not forget the crucial advantage, as instant lending works great for people with poor credit as well.

Online Installment Loans

Online installment loans are probably the only solution for people who crave for faster access but do not want to repay one debt at a time. In other words, here we have a more flexible financial service with a stick payout schedule on a monthly basis. You always know when and how much you need to pay depending on your salary. The key features are as follows:

  • Manageable monthly installments and flexible period.
  • Higher loan amount to access even with poor credit.
  • The fast decision on your application and instant money transfer.

Bad Credit Loan with Monthly Payments

All of the above-mentioned actually refer to this type of loans. They include different cash advances both online and offline that are not provided by conventional banks. The requirements might depend on the leader. However, the firm mainly reviews monthly wage, working experience, and other crucial factors instead of checking the credit. As a rule, you have to repay once or twice in 14-31 days.

Online Loans with Monthly Payments

These are only those types of cash advances that are repaid by month. They include 3, 6 or 12-month loans as well as installment credits and some of the short-term loans as well. They also do not rely on the credit score but include a more flexible paying schedule with the total sum of 150% from the initial sum to repay. Hey usually have the lowest APR and no extra commissions or fees.

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