Turned down by a bank or credit union? America’s Loan Company makes personal installment loans from $100 to $3,000 to Cleveland residents with less-than-perfect credit. You can apply, sign and get funded without leaving home.
✓ Apply in minutes
✓ Fixed monthly payments
✓ No early payoff penalties
✓ A+ rated by the BBB
No Payments For 45 Days With Promo 45DAYS. The first 15 days are interest-free.*
…it won’t affect your credit score!
Get Your Sample Quote
NOTE: Personal loan quotes assume a 60 month Personal Loan. Interest & APR vary depending on credit score. 6 to 60 Months Terms Available.
How to get a personal loan in Cleveland without visiting a branch
We don’t have a branch in Cleveland, and you don’t need one. Every step happens online or by phone with our Ohio-based team.
- Apply online. The short application takes a few minutes and uses a soft credit check.
- Get your decision. A loan specialist reviews your application and contacts you, often the same day.
- Upload your documents. Use your phone’s camera or upload files directly.
- Sign digitally. Review and e-sign your contract from anywhere.
- Get your money. Sign by 2:00 PM and the funds are direct-deposited the same day.
Prefer to talk it through? Call 877-380-2639 and you’ll reach a real person on our team, not a call center.
Bad credit installment loans in Cleveland
Yes. Many of our borrowers come to us after a bank or credit card company said no. A low score, a thin credit file or past missed payments don’t automatically disqualify you.
When you apply, we look at more than your credit score:
- Your income. Steady income from a job or from benefits such as Social Security or disability.
- Your bank account history. A recent statement helps us understand your budget.
- Your ability to repay. We set the amount and term so the payment fits your income.
We report your payments to TransUnion. Each on-time payment adds positive history to your credit report.
Example loan
Borrow $1,500 over 36 months with a $25 credit investigation fee and a $100 origination fee. You’d pay $700.96 in interest, for a total of $2,325.96. That’s an APR of 31.13% and monthly payments of $64.61. Your actual rate depends on your credit, income and term. APRs are under 35.9%. This example assumes no promo code, with the first payment due about 30 days after funding.
…it won’t affect your credit score!
Serving borrowers across Cleveland and Cuyahoga County
Because the whole process is online, we lend to residents anywhere in Cleveland. That includes Ohio City, Tremont, Detroit-Shoreway, Old Brooklyn, West Park, Kamm’s Corners, Slavic Village, Collinwood and Glenville.
We also serve the surrounding suburbs, including Lakewood, Euclid, Cleveland Heights, Garfield Heights, Maple Heights, Brook Park, North Olmsted and Strongsville. Our personal and consumer installment loans are available throughout Cuyahoga County. Nearby? See our pages for personal loans in Parma, Lorain and Akron.
How our installment loans compare
| Loan type | Amount | How you repay | Credit needed | Main risk |
| Our personal installment loan | $100–$3,000 | Fixed monthly payments over 6–60 months | Low to average | Low; no early payoff penalty |
| Payday loan | Usually up to a few hundred dollars | Due in full on your next payday | Little or none | High fees and a short window |
| Car title loan | Based on vehicle value | Varies | Little or none | Your car is collateral |
A lower-cost alternative to payday loans in Cleveland
Looking for a payday loan in Cleveland? Compare the cost before you sign. Payday and other short-term loans usually come with high fees and a payoff date only weeks away. Counted as an APR, that often reaches triple digits. Our personal installment loans give you more time to repay and a lower rate.
- Lower APRs. Our APRs are under 35.9%. Payday-style loans often cost several times that once fees are counted.
- Time to repay. Spread payments over 6 to 60 months instead of paying everything back on your next payday.
- Fixed monthly payments. You pay the same amount every month, so it’s easier to budget.
- Borrow up to $3,000. Ohio caps short-term loans at $1,000.
- Build your credit. We report your payments to TransUnion.
- No early payoff penalty. Pay it off sooner and you save on interest.
Already stuck in a payday or title loan cycle? We can refinance your payday & title loans into one affordable installment loan.
…it won’t affect your credit score!
What Cleveland borrowers use personal loans for
- Car repairs to keep getting to work
- Utility, medical or heating bills, especially through a Cleveland winter
- Rent, security deposits or moving costs within Ohio
- Catching up on overdue bills or consolidating debt
What you need to apply
- Proof of income, from a job or benefits
- An active checking account
- A valid photo ID
- Ohio residency
After approval, we’ll also ask for a recent utility bill and a copy of your Social Security card.
Personal Loans in Cleveland, OH: FAQs
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You don’t have a branch in Cleveland. Can I still get a loan?
Yes. You can apply, upload documents, sign and get funded entirely online. Our team is a phone call away at 877-380-2639.
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Will applying affect my credit score?
No. We use a soft credit check when you apply, so it won’t affect your score.
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How much can I borrow?
Personal loans range from $100 to $3,000, based on your income and ability to repay.
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How fast can I get the money?
If your contract is signed by 2:00 PM, the funds are deposited into your bank account the same day.
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What credit score do I need?
There’s no single minimum. We weigh your income and ability to repay alongside your credit history.
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Can I get a loan if I’ve filed for bankruptcy?
Possibly. It depends on when it was discharged and your current income. Apply and a loan specialist will review your situation.
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Can I use Social Security or disability income to qualify?
Yes. Steady income from Social Security, SSI or disability can be used to qualify.
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How does the 45DAYS promo work?
Enter 45DAYS on your application. Your first payment won’t be due for up to 45 days, and no interest accrues for the first 15 days after you sign.*
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Can I pay my loan off early?
Yes, with no early repayment penalty.
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Is this a payday loan?
No. It’s a personal installment loan, also called a consumer installment loan. You repay it in fixed monthly payments over 6 to 60 months, not in one lump sum on your next payday.
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Do you offer consumer loans in Cleveland?
Yes. We offer consumer installment loans from $100 to $3,000 to Cleveland and Cuyahoga County residents, completely online.
Apply for a personal loan in Cleveland today
Use promo code 45DAYS for no payments for up to 45 days, with the first 15 days interest-free.*
…it won’t affect your credit score!
*Interest begins to accrue after the interest-free period ends. The number of interest-free days may vary based on your chosen payment date. Approval is not guaranteed.