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Installment Loans

Qualia Credit offers installment loans of up to $25,000. Our repayment terms are flexible, and range up to 5 years.

Interest Rates

The interest rate charged will depend on your credit record and our underwriting process. While your credit report is a key component of our risk analysis, we factor in additional information from your online banking history. Like a credit report, we use an instant bank verification service to fetch your recent banking history which helps us build a more robust credit score which we use to determine loan acceptance, maximum loan amount, and interest rates.

Our lowest rates can be as good as prime +3%, while higher risk applicants may be asked to pay up to prime + 25%.

Credit Requirements

We don't have a hard minimum for your credit score. We do have some additional requirements:

  • Must be employed
  • Must have a net monthly income of at least $2000
  • Must not have recent NSFs for other lenders in the past 2 months

How Does It Work

First of all, fill our our application form. Once you have filled that out, you'll be prompted to enter your online banking credentials into our bank verification provider's webpage. Assuming that part of the process completes successfully, we will then retrieve a copy of your current credit report and our loan management system will send you an email indicating whether your application has been accepted and the offered terms, or that your loan application has been denied. It's that simple, and usually takes under half an hour for small dollar loans, or up to a day for loans over $3000.