Personal Installment Loans

We offer loans that fit your needs

Borrow your way! Whether you want online, in branch, or over the phone service – we’ve got you covered. Our personal installment loans allow you to get the money you need now and to repay through a consistent set of affordable monthly payments.

Check installment loan amounts available where you live

Loan amount: $XXX – $XXX

All loans are not created equal

Here’s how our personal installment loans compare to other loan types

  • Loan Term
  • Processing Speed
  • Affordable
    Monthly Payment
  • Helps Build Credit
  • Personal Installment Loans
  • 3-36 months
  • Same day
  • Payday loans
  • Due next payday (2 weeks)
  • Same day
  • Title Loans
  • 15-30 days
  • Same day
  • Personal Installment Loans
  • Loan Term3-36 months
  • Processing SpeedSame day
  • Affordable Monthly Payment
  • Helps Build Credit

Hear from our customers



The Conroe office is super nice and friendly 🙂. I’ve had loans open there for about 3yrs. Vernita and Shauna are always so friendly and helpful. I would definitely recommend them 10/10 every time.

Jovana Lozano


I’m a returning customer and this time around I noticed they have a much faster and efficient process. They offer instant transfers of funds with approved credit.

Karen Eisele


I have getting loans for years from Sun Loans. It is easy apply and they are quick.

Concepcion Rojastoro


What can I say about this place! Gloria and her staff are amazing, not only to they make you feel comfortable but they exceed every expectations to help your needs. I’ve dealt with other bigger loans but this one is by far the best one yet! And best part of it all is that it actually helps your credit too! For those who need it… highly recommended and veteran friendly too! Thanks Sun Loan



Very happy with the service every time. I’ve been a customer for 5+ years and I’ve never been disappointed with the service. Will always recommend. 😊

Sebrina Dollar


I’ve done business with Sun Loan for over twenty years. They’ve always been professional and friendly. They are willing to go the extra mile to help their customers. I have referred many friends there over the past.

Christian Castillo


I’ve been coming to Sun loan since 2018 and have always taken great care of me! Great way to start off to build your credit as a young adult !

Frequently asked questions about personal installment loans

In the financial industry, ‘personal loan’ refers to money borrowed to pay for personal expenses. It is expected to be repaid in small portions over time with interest added on.

Personal loans are often unsecured, meaning borrowers do not risk losing their house or car if they can not pay back the loan.

Repaying personal loans on time helps borrowers establish their credit scores. Not paying back a personal loan may have an adverse impact on borrowers’ credit scores.

Unlike car loans, mortgage loans or student loans, which limit what a loan can be used for, personal loans allow borrowers to use their money however they would like.

There are two main types of personal loans: secured and unsecured.

With a secured loan, borrowers are asked to provide something of value, often the rights to their car or home, to their lender if they cannot pay back their loan. With an unsecured loan, lenders do not have the right to the borrower’s personal property, even if they default. However, failing to pay back unsecured loans will have a negative impact on the borrower’s credit history.

Personal loans are provided to eligible individuals in the form of a check or a bank deposit. They are given in one lump sum and then typically repaid by the borrower in smaller installments. A fee proportionate to the amount borrowed, called an interest rate, is factored into the smaller installment payments. How fast a personal loan must be repaid and how much is due every month depends on the conditions of the loan and the amount borrowed.

Every personal loan company has different criteria for qualifying. While some only look at applicants’ credit scores, at Sun Loan we assess a person’s general ability to repay, including factors like source of income, proof of residency, ability to incorporate repayments into a monthly budget, and repayment history.

You can receive a personal installment loan from Sun Loan as soon as the same day you apply! Come into a branch to see how much you’re eligible for and receive your check after you are approved or apply online and have money deposited into your account as early as next day.

We look at a number of factors in addition to credit history at Sun Loan. Even individuals with very low credit scores may qualify for a loan.

Sun Loan reports to all three major credit bureaus, so taking a personal installment loan and repaying it on time gives you a chance to positively impact your credit score. Late payments or lack of repayment would have a negative impact on credit score.

While we do check credit, it is one of many factors we look at when assessing eligibility. That’s why even individuals with poor credit may often qualify for loans.

Ready to apply?

Apply online