With up to $5,000 in your account tomorrow is already looking brighter*


  • Fast approvals
  • No Prepayment Fees
  • Premium Loyalty program
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Applying does NOT affect your FICO® Score!

Welcome to CreditCube, Your Online Loan Solution

Are you looking for an affordable, short-term installment loan? Do you want to avert going into overdraft and default on your payments – something that could impact your credit score? If so, you’ve come to the right place. Welcome to CreditCube.

CreditCube installment loans are a simple and easy way for you to avoid expensive overdraft fees or payday loans. Our flex-pay installment loan allows you to pay it back over a period of a few months, unlike a payday loan that requires a full repayment on your next payday. Also, our premium Loyalty Program helps you borrow more money at better rates as you build your credit history with us.

Apply Now

Applying does NOT affect your FICO® Score!

How Does It Work?


Apply in minutes

Complete our quick and easy application*.


E-sign your contract

Let's verify your details and make it official.


Receive your CreditCube loan

Receive your money as early as the next day!***

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Applying does NOT affect your FICO® Score!

How Not to Borrow Money

Do You Really Want to Take a Payday Loan to Address Your Short-Term Financial Needs?

A payday loan is, in essence, a cash advance. The most basic type requires you to pay it back in full on your next payday, allowing you very little repayment flexibility. That product, however, merely re-schedules your financial problem to a later date, when, in addition to repaying the loan in full, you’ll also have to pay exorbitant fees on it.

Do You Really Want to Pay up to Seven Times in Overdraft Fees and Penalties?

Are you in overdraft? If you’ve heard it once you’ve heard it a thousand times. Avoid bank overdraft. Take out overdraft protection, assuming you qualify. To do so, you must first apply to your bank, but a client with an unsteady credit rating can (and usually is) rejected. Your bank may offer you to guarantee your overdraft by linking it to a savings account (assuming you have one to use as collateral).That is understandable, but it may eventually require you to liquidate whatever hard-earned savings you have. The fees you’ll pay on your overdraft, moreover, are no bargain either.

Protect Your Credit Rating

If and when you choose one of those routes to tackle your debt and miss a payment or fail in any other way to pay back the loan on schedule, you stand to inadvertently jeopardize your credit rating. A credit rating (or FICO score) is the financial community’s professional evaluation of the risk you present in paying back debt. Your credit rating is used by banks, mortgage firms, landlords and credit card companies (among others) to forecast the likelihood you will default on a future payment. If your credit rating is good, they will, in all likelihood, approve a later request for a loan or a mortgage. If it is not good, they might decline to do so. This alone is reason enough to stay away from a loan whose terms are not tailored to your exact needs.

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Applying does NOT affect your FICO® Score!

The Preferred Way to Borrow Money

CreditCube Internet Loans

It’s simple to apply for a CreditCube internet loan, and it only takes a few minutes. Just fill out the online form. We provide fast, same day approvals with premium custom care from start to finish. Our credit professionals will quickly evaluate your application and usually respond on the same business day.

The Benefits of Borrowing from CreditCube
  1. 1.

    CreditCube installment loans are flexible and are designed with you in mind so you can meet your repayment schedule based on your financial need and ability to repay.

  2. 2.

    Our customer care professionals are here to help you whenever you need them. We are committed to provide the best possible service to all of our loyal customers.

  3. 3.

    There are no prepayment penalties for an early payoff of your loan. In fact, we actually encourage you to pay off early and save on interest.

  4. 4.

    CreditCube is a Direct Lender in all states in which we operate. This means that you won’t work with any type of middleman. Instead, you work directly with us, from application to repayment.

  5. 5.

    And best of all, our CreditCube Loyalty Program rewards you with a lower interest rate and a higher loan amount every time you re-apply for a new loan as a returning CreditCube customer!

Why Choose CreditCube?

Apply Now

Applying does NOT affect your FICO® Score!

Rates that go down over time

Apply for bigger loans with lower fees as your CreditCube Status improves**

More Personal

We treat our customers like family. Our dedicated customer support team are here to assist you anytime.

Borrow at your own terms

Our Flex-pay product allows you to pay back your loan at any time with no early payment penalties.

Become one of our happy customers today!

absolutely love your Loyalty Program. I can finally access more funds at lower rates.

Marine
Los Angeles, CA

The terms were easy to understand and the customer service was fantastic.

Brian
Chicago, IL

Every time I’ve needed them, they were there for me no questions asked. Thank you!

Sean
Dallas, TX

I wish I had known about you earlier. Thank you CreditCube! You are the best.

Alex
Cleveland, OH

I finally feel like I found a financial partner I can trust!

Nicole
Denver, CO
Apply Now

Applying does NOT affect your FICO® Score!