Compare installment loan options with one simple request
Whether you are planning a home repair, consolidating credit card balances, or covering an unexpected expense, finding the right loan can take time. 85 Cash simplifies the search: you fill out one free request, and we share it with lenders in our network who may be able to make you an offer.
How it works
- Submit a free request. Tell us how much you need, what it is for, and some basic information about your income and finances.
- Get matched. We pass your request to lenders and lending partners in our network.
- Review the offer carefully. If a lender makes you an offer, you will see the APR, fees, payment schedule, and total cost before you accept anything.
- Decide. You are under no obligation to accept any offer. If you accept, the lender, not 85 Cash, funds and services the loan.
Loans repaid in installments
Lenders in our network offer installment loans: you repay the loan in a series of scheduled payments rather than in one lump sum. Repayment periods range from 3 to 84 months, and APRs range from 4.95% to 35.95%, depending on the lender and your situation.
What you will need
- To be at least 18 years old and a U.S. citizen or permanent resident
- A valid government ID, phone number, and email address
- An active checking account
- A regular source of income
Common reasons people request a loan
- Consolidating higher-interest credit card balances into one monthly payment
- Home repairs and improvements
- Car repairs
- Medical or dental bills
- Moving costs or a major purchase
About credit checks
Submitting a request on 85 Cash does not affect your credit score. Lenders who review your request may check your credit with one or more of the major credit bureaus or with alternative consumer reporting agencies, which may affect your score. Approval, loan amount, APR, and terms depend on the lender's review of your credit, income, and other factors. Not everyone will be approved.
Borrow responsibly
A loan is a commitment to repay on a fixed schedule. Before accepting any offer, read the loan agreement carefully, compare the APR and total cost with other options, and borrow only what you can comfortably repay. Late or missed payments may lead to additional fees, collection activity, and damage to your credit. If you are having serious financial difficulty, consider talking to a nonprofit credit counselor first.