Personify's terms range from 12 months to 48 months. 8 per cent rate of interest. Product availability varies by state. m. MoneyKey – TX, Inc. If you have any questions, you can find answers here. MoneyKey also arranges Installment Loans as a Credit Access Business and a Credit Services Organization in the state of Texas. loan. Fill out the form. Reviewers satisfied with MoneyKey most frequently mention customer service, whole process, and short term. For flowcc shop login, flowcc invite, flowcc invite code and flow cc register. But be careful with cash loan options that promise you a quick loan with no credit check. Check `n Go provides customers with customized financial solutions through installment loans, payday loans, cash advances, & more. Online Form. Warn others with your rating. This is much more transparent than many online lenders. Recommended Chosen 31,140 times Tested Company 3. MoneyKey is an online direct lender that provides short-term, unsecured Loans and Lines of Credit to underserved consumers through a safe and secure platform. Our Customer Care agents are friendly and helpful. Direct lenders Direct lender is a finance institution based on states regulation States Finance licensing. Moneykey's headquarters is located in Wilmington, Delaware, USA 19801. Contact your state’s attorney general if you’re unsure if a lender is safe. When we take an enforcement action against an entity or person we believe has violated the law, we will post court documents and other related materials here. Repaying with direct deposit. Product availability varies by state. These loans may not require a credit check or may have loose qualification requirements. To see loan products offered in your state of residence, please visit our Products & Services page. 01% for a loan amount up to $2 million. is licensed as a Credit Access Business (CAB), License No. The availability of each product may vary by state. A MoneyKey Installment Loan can be used for a variety of things like home and car repairs, emergency medical expenses or other non-recurring bills. Verify where you live. 20110150, by the State of Texas. Payment amounts (payments due every 2 weeks) Total of payments (if I pay on time) Cost of other types of loans: Repayment: Of 10 people who get a new multi-payment payday loan: 7 will pay the loan on time as scheduled (typically 5 months) 1 will renew 1 to 4 timesCost of this loan: Borrowed amount (cash advance) Fees paid to MoneyKey - TX, Inc. MoneyKey offers direct payday loans, installment loans, and lines of credit depending on the state of your residence. Statements . On the other hand, Better Day Loans offers legitimate loans with installment loans ranging from 0 to $5,000, so you may only borrow as much as you need. $1,000 – $5,000. Although it offers products in 16 states, not all are available worldwide. “ MoneyKey Facility ” means the Company’s revolving credit facility used to fund the Company’s MoneyKey products. MoneyKey is a direct on the web bank that were only available in 2011 and you may gets borrowers having down fico scores entry to brief-term signature loans and you will credit lines. Images are for illustrative purposes only. is a Loan Originator at MoneyKey based in Wilmington, Delaware. 20110150, by the State of Texas. 4. If you're behind on your federal student loan payments, the U. Every State has the unique maximum APR description. Experience Loan Officer. Getting a car. Moreover, you can apply for money transfers without visiting the financial institutions in person. MoneyKey is a financial services company that offers a variety of loan and payment solutions to meet the needs of its customers. Open the main menu Close the main menu. Reviewers satisfied with MoneyKey most frequently mention customer service, whole process, and short term. Reviews reflect individuals’ opinions and may not be illustrative of all individual experiences with MoneyKey. Rocket Loans: Best for Installment loans. Online Loans and Lines of Credit Between $200 - $3,500. Line of Credit | MoneyKey Get Approved for a Line of Credit of up to $3,500 Today ♦ Apply Now! Existing Customer? Login here! Why choose a CC Flow Line of. Their application process is incredibly easy to complete and only takes a matter of minutes. Apply for Installment Loans through MoneyKey. Your Credit Score is Too Low. Student Loans. Loan amount $200-$2,000. With MoneyKey, you can expect: A simple online loan application. As an online lender and credit services provider, our mission is to provide loan and line of credit products and services to underserved individuals, including those with poor credit. View Contact Info for FreeOnline Banking allows members to access account information 24 hours a day, seven days a week. You can both apply and get approved for any loan amounts via the websites of creditors, funds, or loan services. MoneyKey is an online lender and service provider, offering a safe and secure online platform. One feature of installment loans is that your payments are spread out over time through a series of fixed, scheduled payments. Our Orchard Mortgage Loan Officers work for you, not for a sales commission on your loan. Images are for illustrative purposes only. Brian Baker, the master of Check ‘N’ Title, a payday and car name loan provider with nine areas within the Dallas area, stated the town’s ordinance have not seriously impacted his company, and he could simply set up shop in a municipality. The APR, repayment amount and payment schedule will vary depending on the specific details of your loan, which can be found in your loan agreement. $200 to $2,000. We also offer credit services for unaffiliated third-party lenders in certain states . MoneyKey is an online direct lender that provides short-term, unsecured Loans and Lines of Credit to underserved consumers through a safe and secure platform. Your personal line of credit account will have a credit limit. No application fees, & prequalifying won't affect your credit score. com, netpayadvance. 763. Simple Application. Tennessee. citizen Active bank account Regular income Valid phone number and emailBorrowers can receive funds as soon as the next business day. For example, to apply for a loan through MoneyKey, the online application will likely only take you a few minutes to fill out, and you can fill it out 24 hours a day, 7 days a week. Payment amounts (payments due every month) Total of payments (if I pay on time) Cost of other types of loans: Repayment: Of 10 people who get a new multi-payment payday loan: 5 will pay the loan on time as scheduled (typically 5 months) 1 will renew 1 to 4 timesCost of this loan: Borrowed amount (cash advance) Fees paid to MoneyKey - TX, Inc. It is possible to see resources within a day and most credit score rating sort were authorized. All loans for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey. m. MoneyKey is a state-licensed direct lender in Delaware, Idaho, Kansas, Mississippi, Missouri, Tennessee, Utah and Wisconsin. Payday loan lengths range from 1 to 31 days. Offered twice a year. I am in ***** and they are in Oklahoma. MoneyKey is an authorized servicer of CC Flow. Cost of this loan: Borrowed amount (cash advance) $ $ Fees paid to MoneyKey - TX, Inc. 1. Read More. Why? MoneyKey Internet USA. Licensing and compliance are cornerstones for successful lending businesses. Moneykey (location in Delaware, United States , revenue, industry and description. Since the company’s credit requirement is so low, those with fair credit scores can still. is licensed as a Credit Access Business (CAB), License No. You don’t have to borrow from your line of credit, but it’s available if and when you need it. Payday loans supply a quick and convenient choice to get the assist you to want. For our customers and team members alike. When you pay down the principal balance of your Line of Credit, you can continue to access the remaining credit available up. In order to provide short-term lending solutions available. Check City is a direct payday lender that makes getting short term loans online simple. We provide information services at the highest quality level. A Line of Credit provides flexibility and quick access to funds in an emergency. Cost of this loan: Borrowed amount (cash advance) Fees paid to MoneyKey - TX, Inc. MoneyKey – TX, Inc. MoneyKey offers loan products to underserved consumers in 9 states across the U. Images are for illustrative purposes only. Email Us. com. MoneyKey and NetCredit are both online lenders that offer personal loans to individuals with less-than-perfect credit. Guaranteed approvals, lack of licensure, upfront payment demands and unsolicited loan offers are all signs of a. Apply online or call for more information and access funds in your bank account the same business day*. lendnation. Moneykey sign upMoneyKey offers personal loans and lines of credit and is also one of the top sites like Rise Credit. Installments are paid over four months with no interest, scheduled on your paydays to help avoid default. MoneyKey also arranges Installment Loans as a Credit Access Business and a Credit Services Organization in the state of Texas. If approved, you can sometimes get your money within 1 business day*. Unfortunately, this loan can get expensive really fast. Credit Cards. It is important to carefully review the terms and fees associated with the loan before. The APR is the cost of credit expressed as a yearly rate. Lower Loan AmountsLoans for Those with Bad Credit. Join to view profile MoneyKey. Reviews reflect individuals’ opinions and may not be illustrative of all individual experiences with MoneyKey. Here’s how it works: Apply online: After you provide some basic info, we'll usually let you know if you're approved in just seconds. $ Payment amounts (payments due every 2 weeks) Total of payments (if I pay on time) $ Cost of other types of loans: Repayment: Of 10 people who get a new multi-payment payday loan: 7 will pay the loan on time as scheduled (typically 5 months) 1 will renew 1. com, snappypaydayloans. Updated March 28, 2023. As long as you’re able to access the internet, you’ll be able to apply for short term personal loans through MoneyKey. Moneytree’s Customer Service Team is Open 24 Hours, seven days a week 364 days a year (every day except Christmas Day). Images are for illustrative purposes only. Personify's terms range from 12 months to 48 months. Get Approved 2. With the Brigit mobile app, you can link a checking account that receives regular direct deposit paychecks and receive up to $250 in payday advance funds at no charge to you. Semrush Rank: 36,221. In Texas, we arrange loans as a Credit Access Business and a Credit Services Organization. The loan time period for an installment loan may be as brief as 90 days or as lengthy as 72 months. After we review your application, we’ll let you know if you’re approved and how much you may qualify for. within minutes. From paying bills to a medical emergency, you can use the money for almost any personal use. Also a member of the Online Lenders Alliance , MoneyKey operates in less than a dozen states while abiding by laws protecting consumers from predatory lending practices. As an SOS Loans customer you can have $10,000 - $50,000 wired to your bank account within hours. Everyone faces hardship, and sometimes you need a quick solution to your problems. • If it's between $289. To see loan products offered in your state of residence, please visit our Products & Services page. The application process is quick and easy. Once approved, you can borrow any amount up to your available credit limit. Receiving a pre-approved offer does not guarantee that you will receive the stated loan amount. 8 million, a record ending balance. They said I would make 7 payments of $90 and the loan would be paid. Report this profile Report Report. The CreditFresh billing cycle charge is a tiered amount between $5 and $350, depending on your average daily balance. Central Time, or by sending an email to info. Filed in March 22 (2018), the MONEYKEY covers Consumer lending services; Loan financing; Arranging of loans; Credit and loan services; Financing of loans; Instalment loans; Providing personal loans and lines of credit; Revolving loans. Test yourself in various modes, track your progress and improve your typing speed. , a Delaware-based online consumer lender, for alleged violations of the state's consumer finance statutes and the Virginia Consumer Protection Act (VCPA). A 14-day payday loan of $255. 0. If title insurance is required, fees may range between $605 and $16,270. Transfer funds between accounts. Reviews reflect individuals’ opinions and may not be illustrative of all individual. To qualify, you’ll need a down payment of 10. One of the main ones is that a home equity line of credit is a type of revolving credit. The amount of your Kansas Line of Credit will range between $200 and $2,500. Monkeytype. A MoneyKey Line of Credit can be used for unexpected expenses that may occur in. Fast Funding. . What You Need to Know About Safe Online Payday Loans. d/b/a TAB Bank. We’re here to help. The lender typically pre-approves you for a specific funding amount. If you receive your income bi-weekly, semi-monthly or weekly, your loan will be payable in 11 installments. Reviews and any ratings referenced are based on Trustpilot reviews. To see loan products offered in your state of residence, please visit our Products & Services page. Key. tellows offers many services related to caller ID and protection against unwanted calls. After we review your application, we’ll let you know if you’re approved and how much you may qualify for. If you’re having a problem stopping a lender from taking money out of your account, you may want to contact your state regulator or state attorney general. The company's platform assists in offering online short-term and small-dollar loans, enabling users to get payday loans, installment loans and lines of credit in a safe and secured way. Bottom Line. " The amount of the garnishment is limited to 15% of your disposable earnings or the amount by which your. Uprova is a portal for online tribal loans that offer secure and affordable installment loans for people with various credit scores. Reviews reflect individuals’ opinions and may not be illustrative of all individual experiences with MoneyKey. Luckily, an Installment Loan in Missouri with MoneyKey may be able to help! We offer a Kansas City Installment Loan that can help you take care of an emergency expense when you don’t have the savings to cover it. Developer of an online loan platform designed to offer cash advance services. Welcome to the WithU Customer Portal. Verify your info with our Customer Care team and you may be approved in minutes. Installment Loans and Lines of Credit are available through MoneyKey. While there are some types of installment loans that are secured, like mortgages for example, there are also short-term unsecured installment loans that are generally meant to be used differently. Lost or Stolen Card. The term length is 12-24 months and the loan amounts are $100-$5,000. You'll first need to select your state of residence. To start your application, all you need to do is click here. But that doesn’t mean they’re identical. All loans for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey. MoneyKey then uses a secure and encrypted system to quickly process the application and provide a decision. Submit loan application. Fast Loan Advance (fastloanadvance. To see loan products offered in your state of residence, please visit our Products & Services page. As a direct lender and a credit services provider, MoneyKey offers or arranges personal loans in: Delaware Idaho Kansas Mississippi Missouri Tennessee Texas Utah Wisconsin Online loans through MoneyKey range between $200 to $3,500. Line of Credit Amount. MoneyKey then uses a secure and encrypted system to quickly process the application and provide a decision. To report a lost, found, or stolen CCBank MasterCard debit card, please call 1. ,. The amount of money you can qualify for can vary, but the interest rates are sometimes extremely high. requirement is 3. MoneyKey is a direct online lender that started in 2011 and allows borrowers with lower credit scores to access short term personal loans and lines of credit. 88% and a finance charge of $44. is licensed as a Credit Access Business (CAB), License No. All loans for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey. Crediterium provides tools and services that enable lenders to reach their markets in innovative ways, reducing risk and improving their customer satisfaction and business metrics. 1 free in-network withdrawal per calendar month. MoneyKey solely provides Payday Loans online to existing clients in California. *Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Here are some answers to your most frequently asked questions – including general questions, questions regarding qualifying for a Loan or Line of Credit through MoneyKey, payment questions and account-related questions. Total being $630. MoneyKey offers a variety of loan options, including payday loans, installment loans, and lines of credit. Reviews reflect individuals’ opinions and may not be illustrative of all individual. Description. In Texas, we arrange loans as a Credit Access Business and a Credit Services Organization. These include lines of credit and payday loans. Moneykey sign upAll loans for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey. APR 279% to 307%. Its customer reviews are also mixed. Learn more about the team. For questions regarding your solar loan please call 1-800-403-9875 or you may email solarloansupport@ccbankutah. With a CC Flow Line of Credit in Michigan, you may be able to qualify for a personal line of credit with a credit limit between $500 to $3,500. Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our. 00 has an Annual Percentage Rate of 459. They are a direct personal loan lender and not a broker, meaning they do not use third-party lenders. Added by MoneyKey Loans 3 years ago on 26 June 2019 17:02. So far I have paid $772. Best Personal Loan Lenders for Subprime Borrowers 2024. MoneyKey Stole $400 in upfront payments for a $3,000 loan which I never received and they refuse to refund the $ I paid. With a personal loan through MoneyKey, you may be able to get your funds the same business day if approved*. Credit limits range between $200 to $1,475 and have an APR of 279. We've got brand new merch designs over at monkeytype. Representative example of the total cost of the loan: Loan amount of $1,000. Bridge any monetary gap with a loan that’s easy to grasp and handle. 8 Views. online payday loans - installment, title loans - lendnation. Instant cash or 24-hour loans are available for borrowers with bad credit. Images are for illustrative purposes only. Categories: Business, Finance and Banking. Added by MoneyKey Loans on 26 Jun 2019 05:02. This company is oriented on customer convenience and fast service. 55. Showing our 4 & 5 star reviews. The Texas Installment Loan term is approximately 6 months. 16641-62815, by the Office of the Consumer Credit Commissioner and registered. Seamless experience. Upgrade: Best for Installment loans. Reviews reflect individuals’ opinions and may not be illustrative of all individual. At MoneyKey, we understand that the process of borrowing money may be difficult and time-consuming at times. MoneyKey makes it easy and convenient for people to borrow money. moneykey. Payday Loans / Cash Advances Provide Relief. It’s an age-old dilemma: needing money but not having enough. Have an active bank accountMoneyKey Loans is an online lender that provides short-term financial solutions. Don't have an account? Get Started 855-589-2365. With a CC Flow Line of Credit in Michigan, you may be able to qualify for a personal line of credit with a credit limit between $500 to $3,500. Browse by category, skill, location, and more. Reviews and any ratings referenced are based on Trustpilot reviews. What You Need to Know About Safe Online Payday LoansMoneyKey Installment Loans is offered by MoneKey, a direct lender founded in 2011 and based in Wilmington, DE. Great Solutions. In Texas, we arrange loans as a Credit Access Business and a Credit Services Organization. 60 each for a total of $6,175. CheckCity. It’s all about people, really. Cons. Welcome to us! Flowcc shop. Prequalify online now. to any loan products offered on which may include loan products offered by a third party and serviced by MoneyKey. Reviews and any ratings referenced are based on Trustpilot reviews. Thousands of people are. John Tanner, 5 days ago. With 24/7 access, you can view loan docs, update your profile and make additional payments. MoneyKey notes that its short-term installment loan is “an expensive form of credit and is not intended to meet long-term financial needs. Champion of. Call Us. To cancel, call our Customer Care team at 1-866-255-1668 or email [email protected] would like to show you a description here but the site won’t allow us. With a CC Flow Line of Credit in Minnesota, you may be able to qualify for a personal line of credit with a credit limit between $500 to $3,500. 6 months before. You can cancel your loan or any draw with no penalty within three (3) business days of the effective date of your loan/draw. If you can’t find what you are looking for, please call us at 1-866-255-1668 or email us at. is licensed as a Credit Access Business (CAB), License No. A minimalistic, customisable typing website. 51 can be taken. Payday loan is simply financing which short-term busine aimed at support those Seattle citizens trying to find aistance with rapid profit systems. If you’d like to receive more details on this process, you can call us at 1-866-255-1668 and someone from the Customer Care team will be happy to help you. Limits apply. Short-term loans should be used for short-term financial needs only, not as a long-term financial solution. Loans offered through MoneyKey don’t have hidden fees, but wherever you get your funds from, reading your contract from top to bottom will help you confirm you’re in good hands. Flowcc. Reviews and any ratings referenced are based on Trustpilot reviews. Loan Applications: 24/7. Here’s how that breaks down: • If your weekly disposable income is $290 or more, a maximum of 25% is taken. ★★★★★. 1. Images are for illustrative purposes only. In Texas, we arrange loans as a Credit Access Business and a Credit Services Organization. You’re able to get longer compensation period of moneykey. com. Cost of this loan: Borrowed amount (cash advance) $ $ Fees paid to MoneyKey - TX, Inc. We also service Lines of Credit offered by CC Flow, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC. $ Payment amounts (payments due every 2 weeks) Total of payments (if I pay on time) $ Cost of other types of loans: Repayment: Of 10 people who get a new multi-payment payday loan: 7 will pay the loan on time as scheduled (typically 5 months) 1 will renew 1. Apply Today. We understand that taking out a loan is a serious and often daunting task, that’s why we’re here to help you. But it’s not available in every state, and rates can be over 1,000% APR in some cases. Costs are generally higher for short-term loans, including payday loans, as compared to other loan products since they are intended to be paid back in a much shorter amount of time than a traditional personal loan. Reviews and any ratings referenced are based on Trustpilot reviews. Interest will be charged on your MoneyKey Wisconsin Installment Loan, with a maximum annual percentage rate of 295%. Zendable, LLC. Reviewers satisfied with. is licensed as a Credit Access Business (CAB), License No. Online Payday Loans. Images are for illustrative purposes only. Apply online or call for more information and access funds. The loan amount of these online loans range from $200 to $3,500 and are fast and easy to apply for! With a personal loan through MoneyKey, you may be able to get your funds the same business day if approved*. To see loan products offered in your state of residence, please visit our Products & Services page. All loans for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey. Lenders may perform a credit check to determine your creditworthiness. Reviews reflect individuals’ opinions and may not be illustrative of all individual experiences with MoneyKey. *While SoFi offers loans up to $100,000, LendingTree marketplace customers may not receive offers at this maximum loan amount. MaxLend, is a sovereign enterprise, an economic development arm and instrumentality of, and wholly-owned and controlled by, the Mandan, Hidatsa, and Arikara Nation, a federally-recognized sovereign American Indian Tribe. Without limitation, affiliates include all related companies and/or parties and their respective officers, directors, managers, employees, contractors, agents, and assignees. Apply Online - You can easily apply for a Line of Credit online 24 hours a day. 24 to 84. You can apply for a loan, manage your account, and access financial education resources through the portal. Check out what else Oportun has to offer: $300 to $10,000 affordable loans to reach your full potential. MoneyKey does not offer Payday Loans online . Related Articles About MoneyKey. credit score: None: Monthly fees: None: Payout time: One business day: Weekend payout: No: Requirements: At least 18 years old U. The cost of the loan, which often includes interest expressed as an APR, will help to determine the amount you’ll be paying for installment. Borrow from $300 to $1500 - up to $800 for new and repeat borrowers, and up to $1500 for preferred borrowers with 10 or more loans! Then, pay us back a little at a time. MoneyKey has a rating of 4. This can add up quickly. CC Flow maintains control over loan. National Small Loan does not lend to residents of Arkansas, Connecticut, Georgia, Illinois, New Mexico, New York, Pennsylvania, Virginia, Washington, West Virginia, and Wisconsin. I was having financial difficulties and they set. Companies such as American Express state you should wait six months after opening an account before you put in a request. For personal loans and installment loans, borrowers can typically choose to repay their loan. A MoneyKey loan is available to those with a regular income stream, a bank account, and valid contact information. All loans for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey. The repayment terms for MoneyKey loans vary depending on the loan product and the borrower’s individual situation. Reviews reflect individuals’ opinions and may not be illustrative of all individual. We also service Lines of Credit offered by CC Flow, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC. m. Welcome flow cc shop. Read more than 48 user reviews and security ratings for number 8662551668 / +1 866-255-1668, mostly rated as negative Financial services. According to Mobiloans, making minimum payments on a $200 balance would take 13 billing cycles to pay off, and you’d rack up $230 in fees alone. Images are for illustrative purposes only. is licensed as a Credit Access Business (CAB), License No. Apply Now. Average loan amount 1. MoneyKey has an online application process that is designed to be fast and straightforward. smartphone. Open to full-time students at a post-secondary institution (An accredited college, university, or trade school, in the United States. Submitting a request for Utah Installment Loans is easy and it’ll only take you minutes to complete . Single Mothers Loans; Lenders. MoneyKey is a short-term lender that offers payday loans, installment loans and lines of credit to borrowers in 14 states. $3. MoneyKey Installment Loans has a maximum loan amount of just $2,000. *Check Personal Line of Credit Rates: APRs that will display include a 0. MoneyKey ranks 1st among Payday Loans sites. As a direct lender and a credit services provider, MoneyKey offers or arranges personal loans in: Delaware Idaho Kansas Mississippi Missouri Tennessee Texas Utah WisconsinOnline loans through MoneyKey range between $200 to $3,500. MoneyKey’s loan within the Tennessee will bring easy access to bucks just as you need it. com 2nd most similar site is. For loans processed on weekends or bank holidays, you will receive the Special Services Transfer the next business day. Cost of this loan: Borrowed amount (cash advance) Fees paid to MoneyKey - TX, Inc. Attention, 8662551668 has been rated negatively. Approximate Average income 1. are 35-54 years old 1. King of Kash has been providing affordable, low risk personal loans with no credit for almost 40 years and is one of the fastest growing money lenders. We are a direct online lender in Delaware, Idaho, Kansas, Mississippi, Missouri, Tennessee, Utah and Wisconsin. You can also submit a complaint to the CFPB online or by calling (855) 411-2372. If you’d like to make an early payment, or a larger payment to pay down more of your principal, you can call us 7 days a week at 1-866-255-1668 or email [email protected] see loan products offered in your state of residence, please visit our Products & Services page. We've just launched a new and improved way to manage your account online. OnDeck offers short-term business loans of up to $250,000 with longer repayment terms than Fora Financial — up to 24 months. Spotloan is dedicated to providing fair and transparent access to credit. 1. Like payday loans, a personal installment loan will come in the form of a lump sum. While there’s definitely some overlap between a home equity line of credit vs. is licensed as a Credit Access Business (CAB), License No.