A 3-month Payday loan is similar to an Installment Loan with several payments: you borrow money from a lender and pay it back together with the interest and commissions for a three-month term. As a rule, the amounts vary from 500 to 5,000 dollars, but some three-month short-term Payday loans provide a cash advance of up to 10,000 dollars.


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Table of Contents:

What are 3-month Payday Loans?

Other Online Loans with Monthly Payments

How do 3 Month Payday Loans work?

How to apply for small 3 month cash advance loans up to $5,000?

Who is eligible for a 3-months Payday Loan?

What is a 3-month Payday loan No Credit Check?

What are the benefits of three month Payday loans without a credit check?

3-month Payday Loans instant cash

3-month Payday Loans from direct lenders

3-month Payday Loans online

3-month Payday Loans for bad credit

The Best 3-month Payday Loan companies reviews

What are 3-month Payday Loans?

Payday loans, or cash advances, are short-term, small-dollar, bad credit unsecured loans designed to help you get by till your next payday. It’s a kind of quick easy cash. Usually, short-term payday loans have a repayment term of fewer than 3 months because they are to be paid back with your next paycheck. You can apply from home online or find a loan store near you. Search the INternet to check what cash advance loans are available in your state. Read the customers' reviews and compare the lenders to get the best deal.

Other Online Loans with Monthly Payments

Looking for online loans with monthly payments? Apply for 3-month payday loans, which differ from other cash advance types by flexible and convenient terms. They are repaid within 3 months time in equal installments at the end of each month.

Monthly payments make each installment smaller, which lets you repay a 3-month payday loan easier. On the other hand, for the reason that every payment is smaller, a lender can charge higher interest than a traditional payday loan. In this case, you can consider applying for monthly Installment Loans for bad credit.

How do 3 Month Payday Loans work?

3 Month cash advances are similar to a traditional online payday loan. They differ only by a longer repayment period. You are offered to repay the money not with your next paycheck but in equal installments within three months. It lets the customers get more affordable conditions for online payday loans. 

You can apply for $1000, $3000, $5000 dollar loan, and pay the money back in a convenient way of a three months repayment period.

How to apply for small 3 month cash advance loans up to $5,000?

You can apply for a 3 month Payday Loan online or in a store. Anyway, you'll only need to fill out a simple application form online or with the help of a loan shop assistant, wait for it to be processed and approved. Before filling the 3 month loan request form, make sure to prepare the following documents:

  • A recent pay stub or other proof for income.
  • State-issued ID.
  • Bank account and routing number.
  • Social security number.

Having these documents ready will help you get a 3month loan faster and easier.

Who is eligible for a 3-months Payday Loan?

Various Payday Loan direct lenders have different requirements and they can sometimes differ from state to state. But in most cases, lenders usually require from borrowers:

  • US citizenship or permanent residence;
  • being at least 18 years old;
  • an active bank account;
  • a permanent job or source of income;
  • A phone number or e-mail address.

What is a 3-month Payday loan No Credit Check?

3-month payday loans no credit check are usually cash advance with a high-interest rate, which should be repaid by the next day of repayment. The rates are higher as these loans are riskier for both borrowers and lenders who don’t do a hard credit check. Thus they are not sure that a No credit check Payday Loan will be repaid on a due date.

No credit check Payday cash advance is sent to customers into a bank account through a direct lender and without taking into account the credit rating of the borrowers’ FICO score. Without credit checks, those who have extraordinary expenses that must be repaid immediately can use a payday loan which will be fast to get and won’t affect their credit history.

What are the benefits of Payday loans without a credit check?

  • Quick cash without checking the credit history and credit score;
  • Simple application and verification process;
  • 24 / 7 online service;
  • The loan is deposited directly into your checking account.

3-month payday loans instant cash

If you suddenly need an instant cash advance, you can easily request a loan online even if you have bad credit, and you can soon be connected to a network of over 300 direct lenders from the comfort of your couch!

The process itself is very quick and simple. You just apply and then get approved by the lender, you will be able to get cash the next business day, or even the same day.

3-month payday loans from direct lenders

Most 3-month payday loans from direct lenders are paid in 3 equal monthly installments. The lender will take steps to collect payments from your Bank account monthly - so you needn’t worry about remembering the repayment date.

Your repayment plan (it is specified in the contract) will confirm the three payment amounts and the collection date, so you can easily plan ahead with confidence.

3-month payday loans online

In order to apply for a 3-month Payday Loan online, you must ensure that your lender is licensed to offer this type of financing in your state. Many lenders display their licenses on the rates and conditions page for States that require it.

Filling out the Payday Loan application online is as fast as approval. You will need the following documents and information:

  • State-issued identity card;
  • Bank account;
  • Recent salary or other proof of source of income.

3-month payday loans for bad credit

Lenders who offer you three-month payday loans have lower requirements and are willing to give you a chance even if you have a bad credit history. The benefits of 3-month bad credit payday loans are:

  • You can apply without a current banking account.
  • You can apply even if you’re unemployed.
  • You get a quick turnaround of 1 – 2 business days.

The Best 3-month payday loan companies reviews 

Good day, if you need the money and you want to make it easier for yourself to find suitable payday loans, consider a 3-month payday loan. You’ll be pleasantly surprised by the process of paying your payday loans back in equal installments, getting approved for the loan without a credit check, even with a bad credit score. You simply apply for a 3-month payday loan to get the best deals available. Consider the top Payday Loan direct lenders offering instant cash Payday Loans for 3 months terms.

LendYou will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 


Greenlight Cash created an online platform to connect consumers like you with reliable lenders across the country. They partner with a large network of professionals so you get a chance to work with one of them and meet the challenge of improving your financial situation in the most effective way. Once you tap submit, you get one step closer to receiving the funds.

  • Payday Loans
  • Installment Loans
  • Personal Loans
  • be a legal U.S. resident
  • be at least 18 years old
  • have a stable source of income
  • be currently employed
  • have an active bank account
  • Unrivaled flexibility and accessibility.
  • Predictable monthly payments

  • Quick and simplified borrowing process

  • Any credit is welcome
  • Not a direct lender.


GoGoPaydayLoans offers Payday Loans at affordable rates with convenient repayment terms. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $1000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day

$100 - $1000 Payday Loans

  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
  • You can get even as low as $100.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.


Indyloan.com offers Personal Loans online at affordable rates with convenient repayment. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $5000
  • Terms: Vary by state
  • Rates and fees: Varied
  • Turnaround Time: 1 - 2 business day

Personal Loans

  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • Quick - no driving, waiting, faxing, paperwork.
  • High approval rate even for bad credit borrowers.
  • Online Payday cash advance with no collateral or co-signer.
  • 24 / 7 online service.
  • High interest rates.
  • Available not in all the states.
  • Only loans up to $5000 are available.