Birch Lending

Get Your Installment Loan in Minutes

Check eligibility in ~2–3 minutes • No credit impact

Quick, simple, and secure

Loan amounts: $250 – $5,000

SSL Secure No Prepayment Fees 4.9/5 Rating US-Based Support

Loan Calculator

Estimate your monthly payment with our easy calculator

$2,500
12
Monthly Payment: $229.36
Total Cost: $2,752.32

How It Works

Three simple steps to get your loan

1. Apply

Complete our quick 2-minute application online. No paperwork or faxing required.

2. Fast Decision

Get an approval decision in minutes. We work with multiple lenders to find you the best match.

3. Money Sent

Once approved and you accept the terms, funds are typically sent as soon as same day or next business day.

Why Choose Birch Lending

We make borrowing simple, transparent, and accessible

Bad Credit Considered

We consider applications from all credit backgrounds. Your past doesn't define your future.

No Hidden Fees

Transparent pricing with no prepayment penalties. Pay off your loan early and save on interest.

Flexible Terms

Choose repayment terms from 3 to 24 months that fit your budget and lifestyle.

Quick Online Process

Complete the entire process online from any device. No visits to a bank or store required.

Soft Credit Check Only

Checking your eligibility won't impact your credit score. Only a soft pull is performed initially.

US-Based Support

Our friendly customer service team is based in the USA and ready to help you.

Trusted by 50,000+ Americans

"I got a fast decision and the payments fit my budget."

Sarah M., Phoenix, AZ

"The process was clear and the support team was helpful."

Michael T., Jacksonville, FL

"I checked eligibility without hurting my credit. Easy."

Renee A., Columbus, OH

"Funds arrived the next business day. Lifesaver."

Darius K., Tulsa, OK

4.8/5 average satisfaction (internal survey)

Loan Information & Rates

Loan Amounts

  • Minimum loan amount: $250
  • Maximum loan amount: $5,000
  • Availability varies by state and lender

Eligibility Requirements

  • Be at least 18 years old
  • Be a US resident (not available in NY, VT, AR, WV)
  • Have a valid US bank account
  • Have a steady source of income
  • Provide valid email address and phone number

APR Range (Informational)

Annual Percentage Rates (APR) range from 6.99% to 35.99%. Your actual APR depends on your credit profile, loan amount, loan term, and state regulations.

Funding Timing: Once your application is approved and you accept the loan terms, funds are typically sent to your bank account as soon as the same day or next business day. The exact timing depends on your bank's processing times.

Representative Example (Illustrative Only)

  • Loan Amount:$2,500
  • Term:12 months
  • APR:10%
  • Estimated Monthly Payment:$219.79
  • Total Amount Payable:$2,637.48
  • Total Interest:$137.48
This example is for illustration purposes only and does not represent an offer of credit. Your actual terms will vary based on credit profile, income, state regulations, and lender policies. No prepayment penalties.

Frequently Asked Questions

APR ranges from 6.99% to 35.99%. Your actual rate depends on your credit profile, loan amount, term, and state regulations. We work with multiple lenders to find you competitive rates.
No. Checking your eligibility only requires a soft credit pull, which does not impact your credit score. If you choose to accept a loan offer, the lender may perform a hard credit inquiry.
No hidden fees. We believe in transparent pricing. There are no prepayment penalties, so you can pay off your loan early and save on interest. Specific loan terms and fees will be clearly disclosed before you accept any offer.
Once your application is approved and you accept the loan terms, funds are typically sent to your bank account as soon as the same day or next business day. The exact timing depends on your bank's processing times.
Loans are available in most US states. However, we do not currently offer loans in New York, Vermont, Arkansas, or West Virginia. State availability may also vary by lender.
Yes. We use industry-standard SSL encryption to protect your personal and financial information. Your data is transmitted securely and stored in compliance with applicable privacy regulations.

Important Disclosure

Birch Lending is a lead generation service that connects borrowers with lending partners. We are not a lender and do not make credit decisions. Loan terms, rates, and availability are determined by individual lenders. A soft credit check is used to determine initial eligibility; accepting a loan offer may result in a hard credit inquiry. Not all applicants will qualify. Loan availability varies by state and is not available in NY, VT, AR, or WV.