Installment Loans from Perch
Get access to the money you need in the moment and have the freedom to pay it back over time.
With an installment loan from Perch, you get money on your terms with the ability to pay back over time.
An installment loan can be used for...
- Unexpected expenses
- Car repairs
- Down payments
- Consolidating debt
- Whatever you decide!
- Unexpected expenses
- Car repairs
- Down payments
- Consolidating debt
- Whatever you decide!
What makes an installment loan from Perch different?
Instant approval decision
Apply in minutes, get approved
instantly and access your money
the same day*
Money guarantee
allows you to change your mind within 3 business days and repay the principal with no fees
Push a payment
within the term of your loan with no additional interest.**
*Approvals before 10:30 AM ET (M-F) are typically funded by 5 PM ET same-day. Approvals after 10:30 AM ET are normally funded the morning of the next banking day.
**Once per loan term; restrictions apply.
Rates & Terms for Installment Loans
Our personalized installment loans offer better rates and longer repayment terms compared to short-term loans.
Example Installment Loan
Below is a typical loan example. Other loan amounts and terms are available.
Take flight in 3, 2, 1
With Perch, it's faster and easier to elevate your financial vantage point.
Apply online in minutes
Our simple online loan application takes just a few minutes to complete and can be done from land or sky.
Instant approval decisions
Good news travels fast -
receive loan decisions almost instantly.
Access your money
Get your money the same day* and get started planning for better and brighter tomorrows.
Never fly solo
Choose Perch Loans and elevate your financial vantage point.
*Approvals before 10:30 AM ET (M-F) are typically funded by 5 PM ET same-day. Approvals after 10:30 AM ET are normally funded the morning of the next banking day.
Installment Loan FAQs
How do I get approved for an installment loan?
When applying for an installment loan, we use your personal information to determine a loan amount that works for you. The following factors contribute to approval: loan amount, credit score and ability to repay. No collateral is needed.
How soon can I get my money from an installment loan?
Good news — loan approval happens almost instantly. Once approved, the funds from the loan are deposited directly into your bank account, as soon as the same day. Approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning on the next banking day. Banking days are M-F, excluding holidays.
How do I repay my installment loan?
Repayment of your loan will take place on each installment due date, typically on your pay day as outlined in your loan agreement. These payments are automatically scheduled as a withdrawal from your bank account.
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Privacy Policy
Facts
What does Perch Loans do with your personal information?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and income
- Transaction history and credit history
- Employment information and checking account information
How?
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Perch Loans chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Perch Loans share?
Can you limit this sharing?
Reasons we can share your personal information
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Does Perch Loans share? Yes
Can you limit this sharing? No
For our marketing purposes — to offer our products and services to you
Does Perch Loans share? Yes
Can you limit this sharing? No
For joint marketing with other financial companies
Does Perch Loans share? Yes
Can you limit this sharing? No
For our affiliates' everyday business purposes — information about your transactions and experiences
Does Perch Loans share? Yes
Can you limit this sharing? No
For our affiliates' everyday business purposes — information about your creditworthiness
Does Perch Loans share? Yes
Can you limit this sharing? Yes
For our affiliates to market to you
Does Perch Loans share? Yes
Can you limit this sharing? Yes
For nonaffiliates to market to you
Does Perch Loans share? Yes
Can you limit this sharing? Yes
Mobile Numbers: We will never share your mobile number so that any affiliates or non-affiliates can market to you without your consent. Your mobile number opt in will not be shared or sold for marketing purposes.
To limit our sharing
- Mail the form below
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?
Call 1-866-261-5168 or go to https://www.perchloans.com
Mail-in Form
Mark any/all you want to limit:
Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
Do not allow your affiliates to use my personal information to market to me.
Do not share my personal information with nonaffiliates to market their products and services to me.
Name
The customer's first and last name will go in this field. This row is empty, but the text is needed to push the table width.
Address
The customer's address, city, state and zip code will go in this field. This row is empty, but the text is needed to push the table width.
The customer's city, state, and zip code will go in this field. This row is empty, but the text is needed to push the table width.
City, State, Zip
The customer's city, state, and zip code will go in this field. This row is empty, but the text is needed to push the table width.
Customer #
The customer's number ID will go in this field. This row is empty, but the text is needed to push the table width.
Mail to
Perch Loans
Att: Opt Out
P.O. Box 3058
Spartanburg, SC 29304-3058
Who we are
Who is providing this notice?
Perch Loans through its operating entities including Flexible Loans of Delaware, LLC; Flexible Loans of Mississippi, LLC; Flexible Loans of Missouri; LLC Flexible Loans of Wisconsin, LLC
What we do
How does Perch Loans protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Perch Loans collect my personal information?
We collect your personal information, for example, when you:
- Apply for a loan or give us your income information
- Provide employment information or provide account information
- Give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only:
- Sharing for affiliates' everyday business purposes—information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
- Our affiliates include financial companies operating in various other states under the names Advance America®, Advance America® Cash Advance, Advance America® Cash Advance Centers, National Cash Advance®, Check Advance®, First American Cash Advance®, Purpose Money®, Purpose Financial®, First American Loans®, Express Check Advance®, First American Title Loan®, Anytime Wallet™, and Kickstand Lending™.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
- Non-affiliates we share with can include lenders, collection agencies, consumer reporting agencies, debt buyers, payday lenders, deferred presentment providers, delayed deposit providers, check cashers, credit card companies, money transfer service providers, tax service providers, retailers, database providers, and others.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include lenders, payday lenders, credit card companies, money transfer service providers, tax service providers, and others.