Ad
Installment Loans in the USA
Apply for the best Installment Loans online even with bad credit. Get instant approval from legitimate direct lenders. Check your rates and start your application now for the same day funding.
Compare Top lending companies offering $1,000 - $5,000 unsecured Installment Loans with convenient monthly payments available for bad credit. Get only up-to-date information and reliable reviews from our happy customers to find the Best Rates from only 5,99% and up to 3-year term offered by more than 300 Direct Lenders Online or in a Loan Store near your location. APPLY NOW - Instant Same Day Decision is Guaranteed!
* Always check the lender’s rates and fees as they may vary. We give only general information. Be attentive. Borrow responsibly! It’s up to you to make a wise decision.
Cash Advance and other Money Offers in the USA
Ad
Compare Installment Loans from Direct Lenders and Other Financial Services Online
Find the best Installment Loans offers choosing among a variety of legit reliable online and in-store lending companies.
TOP RATED COMPANIES
LEND YOU
It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.
The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.
Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.
Check Into Cash
It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.
The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.
Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.
Greenlight Cash
It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.
The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.
Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.
Loan By Phone
It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.
The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.
Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.
Indylend
It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.
The percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.
Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.
Ad
Looking for a Quick Loan with NO collateral or guarantor?
Quick and Easy Installment Loans Online
Compare top online companies offering fast cash advance with no faxing, no paperwork, possibly no hard credit check and no teletrack. Filling out a free application form guarantees you instant decision and high approval chances even if you have a bad credit score.
ONLINE COMPANIES
Personal Loans .com
It’s the maximum sum of cash advance allowed to apply for in the state. It is often limited to a certain sum but it may vary depending on the lender and his requirements.
The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.
Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.
Online Installment Loans come up to $5000 and offer the borrowers convenient repayment terms of several monthly payments. It makes them affordable and safe as well as quick and simple. You apply for unsecured Installment Loans for bad credit online and get guaranteed instant approval and quick funding within 1 - 2 business days.
Table of Contents:
Online Loans with Monthly Payments
Installment Loans - Bad Credit Loans with Monthly Payments
No Credit Check Installment Loans
No Teletrack Installment Loans Guaranteed Approval
How to get an Installment Loan online?
Secured vs Unsecured Installment Loans
Installment Loan Calculator: rates and fees
Instant Approval Installment Loans from direct lenders
Online Installment Loans or in-store Installment Loans near you
Installmemt Loans for bad credit near me
What is an Installment Loan?
Borrowers looking for an average amount of quick cash advance should pay attention to Installment loans. They vary in the amounts from $1000 to $5000 and are given for 2 - 36 months and paid back in fixed equal installments, usually monthly. Online Installment Loans require no hard credit check, no faxing, no Teletrack. They are available both online and in-store to good and bad credit borrowers.
It’s usually unsecured, i.e. doesn’t require any co-signer or collateral which makes it even easier and faster to get 1.
Installment Loans - National Consumer Law Center (pdf)
Online Loans with Monthly Payments - Personal Loans, Installment Loans, or Payday loans?
Compacom.com service offers you to compare and find the best monthly Installment Loans, and other Personal Loan companies both online and in-store. There are more than 300 direct OLA certified lenders on the website. To choose the loan most profitable in your particular situation you must understand the difference between Payday, Personal and Installment types of cash advance 2. Installment Loans are given in the amounts ranging from $1000 to $5000 for the period of 6-60 months and paid off in scheduled monthly payments.
Online Personal Loans are characterized by long terms and rather high amounts of the cash advance, up to $35,000.
Just to give you some brief information and a chance to compare these main loan types we present the following table:
Installment loans |
Personal loans |
Payday loans |
|
| Legal status | legal | legal | Legal in 27 states, with some restrictions in 9 states |
| Amounts | $1000 - $5000 | $5000 - $35,000 | $100 - $1000 |
| Terms | 6-60 months | 6-60 months | 14-30 days |
| Repayment | In fixed arranged repayments | In fixed arranged repayments | With a next paycheck |
| Rates and Fees | 5.99% to 35.89% APR , 5% origination fee | 5.99% to 35.89% APR , 5% origination fee | 300%-750% APR, 10-15% fee for every 100$ borrowed |
| Collateral or guarantor | Not needed | Not needed in most cases | Not needed |
As you can see, Installment Loans are different from personal only by the amount, having the same terms and other conditions. The difference with a Payday cash advance is much bigger. It concerns both sums and terms. Payday APR is rather higher while the repayment period considerably shorter. So it’s up to you to decide how much you need and when you can pay it off and we’ll be glad to help you get the money.
- You can’t but agree that when one needs money, he wants it fast and safe. And we understand it better than anyone else. So we do our best to offer convenient reliable service for the borrowers. Applying for an Installment Loan with us you get:
- The unique opportunity to compare more than 300 lending companies both online and in-store.
- Fast and easy application process. It takes just 60 seconds to fill out an application form, which is instantly processed.
- Easy approval, even for the borrowers with a bad or poor credit score. 80% of our clients get their money the next business day without doing any paperwork, faxing, doing credit reports, etc.
- Profitable interest rates and other conditions which are legally followed by all our partners. They are all fixed in the written agreement. You get its copy. Study it carefully before signing a contract.
- The convenience of solving your financial problems with one click sitting on a comfortable chair at home. Our 100% online service makes it possible to avoid looking for cash stores, driving, etc.
- Safety and confidence. You can be sure that all your personal information is protected. All our direct partners are verified as reliable and efficient.
- No influence on your credit score. There is usually no hard check of your credit history, no credit report requirement, so taking an Installment Loan won’t harm your score.
- Fully committed service. We work 24/7 and offer loans in all the states.
Monthly Installment Loans for Bad Credit
When it’s decided whether to approve you for an Installment loan online, it’s necessary to learn how risky you are. To measure it the lenders check your credit score. “A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual”.5
90% of lenders rely on FICO (Fair Isaac Corporation) score. It’s based solely on your credit report and is determined by such factors as payment history, the current level of indebtedness, types of credit used, length of credit history and new credit accounts. It ranges between 300 and 850 and divides all the borrowers into 5 groups 3:
| Credit title | Poor | Fair | Good | Very good | Exceptional |
| Credit score | 300-579 | 580-669 | 670-739 | 740-799 | 800+ |
| What does it mean? | You may be rejected. Or you may need to pay a fee or a deposit. | To get approved may be rather difficult and the rates are likely to be higher | You are an “acceptable” borrower | You may get better interest rates from lenders | You will be easily approved for a loan |
The majority of our service visitors are the US residents with a Fair or Poor FICO Credit Score. Such people are not eligible for a loan from banks, credit unions or other official organizations. For most lenders your credit history is not the only important criterion. Your application for a bad credit Installment Loan, as well as a Payday Loan or Personal Loan with monthly payments will be considered in any case.
The lender can check your credit report but just in order to decide on the amount you are able to borrow and pay off. Sometimes installment cash advances can even help you to consolidate your debts, pay some urgent bills and improve your credit score.
FICO credit score Raise your FICO score Loans to improve your credit
Compare the Best Bad Credit Installment Loans Direct Lenders
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.
- Pros
-
- High up to $15,000 loan amounts.
- Minimal restrictions on how you can use your loan.
- No collateral or guarantor.
- Bad credit is OK.
- Cons
-
- It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with.
Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment.
- MIN Loan Amount: $50
- MAX Loan Amount: $3000
- Terms: Vary by state.
- Rates and fees: 261% to 782% APR
- Turnaround Time: 1 business day
|
|
|
- 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)
- Pros
-
- You can get even as low as $50.
- Quick funding on the next business day.
- Money can be used for any personal needs.
- Cons
-
- Not available in every state.
- APR can be more than 153.73% depending on your state.
- High late payment fees.
Instant Loans USA will help you get the cash you need when you need it. You can apply for Payday Loans, or Personal Loans online. Choose the best rates and terms and get the same-day financing.
- 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
- $5,000 - $35,000 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.
- Pros
-
- High loan amounts up to $35,000.
- Minimal basic requirements.
- No collateral or co-signer.
- Bad credit is OK.
- Cons
-
- High interest rates.
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
- Pros
-
- Unrivaled flexibility and accessibility.
-
Predictable monthly payments
-
Quick and simplified borrowing process
- Any credit is welcome
- Cons
-
- Not a direct lender.
No Credit Check Installment Loans
Every time you apply for a loan, you are subject to a credit check. It’s not a must but is included in the lender’s rights. As they consider your application they firstly will inquire about some information from you on the phone or the Internet concerning your income, liabilities and assets. If these data satisfy their approval conditions, they may request a credit check which will be the key factor whether to give you a loan or not.
Credit checks or inquiries can be soft and hard. It’s soft in case you check your own credit score or the lender preapproves you for a loan. If it’s already the matter of making a lending decision, it’s a hard inquiry. They usually occur when you apply for any kind of loan 4.
Soft inquiries can occur without your permission, but don’t worry – they won’t affect your credit in any way. Hard inquiries are made only with your allowance. It’s usually a typical part of a lending process. They can slightly lower your credit score and will stay on your report for two years. You can usually apply for No credit check Installment loans, which is not going to affect your credit history.
No Teletrack Installment Loans Guaranteed Approval
Alongside credit checks, there are other ways to check the credit reputation and creditworthiness of a potential borrower. Nationwide Teletrack is used. Direct lenders subscribe to the Teletrack system provider which helps them to avoid dishonest customers. Teletrack lets the lenders estimate borrowers’ financial transactions, credit reputation, and profiles before approving them for a loan.
If you have a debt or loan delinquency these data are automatically registered in a unified Teletrack database. It can affect the lender’s decision of approving you or not.
Loans, processed via Teletrack, are beneficial for the borrowers as well as they help to make sure that a borrower deals with fully-licensed verified direct lenders.
In case you have not a perfect credit history or need cash really quickly consider No Teletrack Installment Loans from direct lenders. There are still many direct lenders that do not use Teletrack to manage risks. Consequently, they charge higher interests for their services.
No Teletrack installment loans not only give you instant cash but they also provide you with a great opportunity to improve your loan history.
How to get an Installment Loan?
Today, if you look at financial systems around the globe, more than half the population of the world - out of six billion people, more than three billion - do not qualify to take out a loan from a bank. This is a shame
That's why if you can't get approved for a loan by a bank or credit union or other traditional financial institution, a good option is bad credit unsecured Installment Loan. All the process of taking an installment cash advance is very simple, safe and convenient. It consists of several steps and takes less than 24 hours from applying for a loan to getting it. Using Compacom you have two main options:
1. Choose the amount you need, it will mainly determine whether Payday Loan, Installment Loan or Personal loan will suit you better, compare all the direct partners offering this kind of cash advance, learn their rates, terms and fees and choose the most suitable, reliable and profitable from your point of view.
2. Fill out a simple free application form online and get instantly connected with more than 300 direct lenders both online and in-store to get their approval and have the money deposited into your account in less than 24 hours.
- Both ways are easy, quick and safe.
- The application doesn’t involve any obligations to accept a loan.
- There is no prepayment, it’s absolutely free.
- Be sure all your personal information is protected.
In order to get $5000 Installment Loan you just need to meet some simple requirements of our Installment Loans direct lenders. They are:
- Being over 18,
- Being the resident of the United States,
- Working in the US,
- Having a valid bank account under your personal name,
- Having a stable income.
What is really cool about Installment Loans is that all of them will be considered and for those of you who have a Bad Credit history there’s a definitely good chance of being approved. Besides applying doesn’t affect your credit anyhow.
Secured vs Unsecured Installment Loans
You can apply for secured or unsecured Installment Loans depending on whether you'd like to back them up with some co-signer or collateral. 6
Installment Loans are absolutely unsecured. They are lent without any collateral, which may be required in case of a mortgage or a car loan to pledge security for loan repayment. Our direct lenders don’t ask you for a guarantor either. You don’t have to feel embarrassed about asking friends or relatives to sign up for you. You don’t have to ask your friends or relatives to sign up for you. Still, you need to be careful and read the agreement carefully before signing as some companies may have different conditions.
Installment Loans Calculator: rates and fees
No loan is free. The costs are in your loan somewhere, maybe rolled into the amount to be refinanced or even coming at a higher interest rate.
Installment Loans are one of the most convenient cash advances to pay off. The amounts are rather small, and they are distributed over a reasonable period of time. You repay the loan in arranged fixed installments. You are always prepared for these expenses, so it’s easier for you to calculate the budget and to make sure you’ll be able to make the payments on time. Use our calculator to find out the total cost of your Installment Loan:
Personal Loan Calculator
Paying off in advance is not a problem either. There are no prepayment penalties or additional fees. Just on the contrary, doing so you can make your debt smaller.
Lorraine Charlton, Debt Expert at Citizens Advice, has the following advice:
a) Work out how much you owe;
b) Prioritise your debts;
c) Work out how much you can pay;
d) Pay urgent debts;
e) Consolidate your outstanding loans;
e) Pay non-urgent debts.
If you have some problems and miss a payment or default a loan it can harm your credit score. You may get under some penalties or even get under control of some debt collecting agencies. They are forbidden to take any criminal actions against you but still it can be unpleasant to receive their constant phone calls. Be careful! Remember, your rights are reserved. For any question or complaint contact the Consumer Protection Financial Bureau (CPFB) 5 (855) 411-2372.
Installment Loans with Guaranteed Instant Approval from Direct Lenders
Applying for a guaranteed approval bad credit Installment Loan you expect to get approval and get it fast. You are ready to pay higher interest rates as you badly need the money quickly and without any additional requirements, checks, paperwork, etc. Approval for an Installment Loan is easier to get online from a direct lender or broker than from traditional banks and credit unions, but we can’t say it’s 100% guaranteed. We offer the best way – fill out a free Compacom form right now and in some minutes, you’ll learn if you qualify for a loan.
Online Installment Loans or Installment Loans near me
If you want to apply for an Installment Loan, you have two main options: search for the nearest Cash Store or switch on the computer and surf the Internet. It’s up to you to decide which way to choose: to do the paperwork, drive a car, wait in traffic jams or lines and look for the store or get up to $5000 Installment loan in a few clicks from the comfortable armchair in your house.
Using our service you get access to more than 300 direct lenders both online and in-store, all of them verified by time and thousands of clients. We work only with reliable authorized partners. We serve American residents in all the states 24 hours 7 days a week.
When shopping for the best most profitable Installment Loan, we would advise you to compare different lenders. We give you this opportunity absolutely for free. You should pay your attention to:
- Interest rates
- Fees
- APR
- Prepayment penalties
- Automatic rollovers
- Debt collecting
All these criteria are described in each lender’s description in detail. Besides you get their contacts if you still have any questions. With us you can be sure to get matched with the most reliable lender with the lowest rates and fees. Borrowing with the help of our company is quick and easy from start to finish. Apply now – fill out a one-minute application form – wait 2 minutes for it to be processed and sent to the lender – get money in less than 24 hours.
HOW DO INSTALLMENT LOANS NEAR ME WORK?
What is an installment loan? Generally speaking, it's an online loan with monthly payments. It is absolutely suitable for those people who are obligated to make regular payments for a particular purchase. This may be rent payment, utilities or car loans. This type of loan means you get cash quickly especially if you go to a loan store near your location. The other types of loans require a few weeks for processing while applying for the installment loans for cash takes only a few minutes. Besides, it’s unsecured. So you completely avoid the loss of property, such as real estate, car or so on.
The main advantages of quick installment loans are the following:
- It is very easy to apply for installment loans. The only thing you need to do is fill out an application form with your information and wait for your approval;
- Installment loans are safe and confidential. It means that all your transaction records, as well as some personal information about you, is safe and protected.
- There are no credit score requirements and it’s possible to find a lender ready to perform just a soft inquiry. The quick installment loans will not affect your credit history as lenders near you will not make any financial report to major credit bureaus.
- Taking quick installment loans is very fast. You should submit the necessary information to the lender and get the cash the same day or even hour as you apply in a store near you.
- Quick installment loans near you won't make put in debt. They are paid within a few months in equal installments which is rather affordable.
There are several options for you to find an installment loan near you. The first option is offline, the other option is online from the computer.
Installment loans at storefronts have their advantages and disadvantages.
- As for the benefits, you receive cash immediately after confirmation and very quickly. You do not need much time to wait for that.
- As for the drawbacks of taking a loan this way, the storefront usually offers higher prices for its services than online installment loans.
But if you apply for an Installment Loan for the first time and you have a lot of questions you’d better use in-store service. An assistant will help you with the documents, will answer your questions, will explain all the details. Individual face-to-face communication is what an inexperienced borrower needs.
As for choosing the loan store, you might do some surfing the net or use online comparing services to find the most reliable lender, his address, e-mail, working hours, directions, etc.
Different lenders have different conditions. This means that even if one lender refuses your loan application, there is always a chance that another lender will say yes.
Can I get Loans with bad credit and monthly payments near me?
If you have problems with your credit score, traditional lenders will deny your request for granting you a loan. Nevertheless, the good news is there are online as well as in-store companies that pay absolutely no attention to this. You can take installment loans fast and with no good credit score requirement.
As a rule, direct lenders in a loan shop near you do not check your credit history. The lender only checks your personal and financial information to make sure you are able to pay off your loans.
IS IT POSSIBLE TO GET INSTALLMENT LOANS NEAR ME WITH NO CREDIT CHECK?
In case of unexpected financial issues, there are several options to get money without a credit check. Installment loans near you are the best solution for those people who have no other borrowing options because low credit rating affects their approval in the bank.
If you are in a situation when you have no time to wait for a loan to be approved, then an installment loan can be your way out. Bank processing can take up to several weeks, while the installment quick loan is a fast solution. The advantage is that you don’t need to waste time for the process of checking credit history and better spend this time for returning money back.
The request for installment loans requires almost no documentation. You have more than 18 months for payback, then you don’t need to worry about paying back a large amount in a lump sum.
WHAT ARE THE BEST INSTALLMENT LOAN COMPANIES NEAR ME?
Not everyone has a good credit history in the bank. Nevertheless, when you need cash fast you have to loan some money. In case of a small cash advance, you have two main options: Payday Loans and Installment Loans. The main difference of payday loans with installment payments from other online loans with monthly payments is that instead of repaying the loan next payday, you can borrow money for a much longer period of time up to 5 years and pay in installments. Installment loan companies offer lower interest rates than payday loans.
One of the most common ways to find a suitable installment loan company near you is the internet. Moreover, you can compare different companies online to find the best rate.
Installment Loans by State
References
1. https://www.ucop.edu/loan-programs/resources/loan-terminology-glossary.html
2. https://www.fico.com/en/products/fico-score
3. https://www.usa.gov/credit-reports
4. https://www.consumerfinance.gov/
5. https://en.wikipedia.org/wiki/Credit_score
6. https://www.consumercredit.com/secured-loan-vs-unsecured-loan
FAQ
Related article
Ad
Ask an expert
Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.
Ad
TOP RATED Installment Loans PARTNERS
Ad
You are about to post a question on compacom.com:
Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.