Best Instalment Loans in the US in 2021

Find competitive instalment loans without impacting your credit score.

Compare Personal Loans
By Ben Harper

What is SimpleDirect

SimpleDirect is a free online service that helps you find your best rate. It does so by working with multiple consumer-friendly lending partners.

When working with SimpleDirect, you can be rest assured as SimpleDirect and its partners work with consumers with most types of credit scores.

Our Story

We started SimpleDirect to help bring affordable loans to everyone. We know the existing financial industry is taking many bad credit customers for granted. This led us to create SimpleDirect, an easy-to-use solution for all things financing.

How It Works

When you are on SimpleDirect, we will ask you a few simple questions to get a better idea of your profile.

After you complete the profile, we will communicate with our lending partners to secure personalized rates for you. Don't worry, this will not affect your credit score.

Then, you can select the offer that works the best for you, and if approved, you will receive the funding in 1-3 business days.

The SimpleDirect Advantage

Personalized loan options within 2 minutes

SimpleDirect's proprietary loan-matching algorithm can give you personalized personal loan options from our lending partners quickly.

No impact on your credit score

Checking rates on SimpleDirect does not impact your credit score. In fact, in most cases we do not ask for your SSN number.

Loans for almost any purposes

A loan through SimpleDirect can be used on almost anything: from consolidating your debt, financing a new purchase, or doing home-improvement. A personal loan through SimpleDirect empowers you to get there faster.

Simple user experience

At SimpleDirect, the process is entirely online from start to end. You do not need to wait in line or sit in a bank. You get your personalized loan offers and if approved, you get the funding in your bank account. It's that simple.

No hidden fees or clauses

SimpleDirect and its partners put transparency front and center. When getting a new loan through SimpleDirect, you will see how much the loan costs, the rate, and associated fees, if any. We never charge any fees without letting you know first.

Get Competitive Personal Loan Offers In Minutes

Compare rates from multiple vetted lending partners. Discover your lowest eligible rate.

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Ben Harper

Ben is a personal finance writer with SimpleDirect, where he focuses on topics such as personal loans, credit cards, and offering financing.

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Best personal loan options

Lending PartnerAPRLoan Amount
Upstart Personal Loans by SimpleDirect9.99 - 35.99%$1k - $35kApply Now
Avant Personal Loans by SimpleDirect9.99 - 35.99%$2k - $35kApply Now
Sofi Personal Loans by SimpleDirect5.99 - 16.19%$5k - $100kApply Now
Prosper Personal Loans by SimpleDirect7.95 - 35.99%$1k - $35kApply Now

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SimpleDirect is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SimpleDirect or them of us. is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SimpleDirect strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.
We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.