Online installment loans
Borrow a fixed amount from Galt Credit, repay it in equal installments that land on your own pay schedule, and see the money as soon as the next business day. A soft credit check, no faxing, and every number in front of you before you sign.
Figures on this page were checked against Galt Credit’s published state disclosures on . How we source figures
Prefer to talk? Call 1-800-402-8845 — the lender’s own line, open business hours.
Start here
About five minutes. A soft credit check, so finding out where you stand will not affect your credit score.
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Try refreshing the page. If it still does not appear, you can apply by phone with the lender on 1-800-402-8845, or on the lender’s own site at galtcredit.com. Texas borrowers dealing with the Credit Access Business can call 888-743-6229.
Advertising disclosure: this is an independent resource, not the lender. An application submitted here may earn us a referral fee; it does not change what you pay. Cheaper options are named on every page.
About the amounts in this form: the form is operated by a lending network and offers ranges above what Galt Credit itself lends. Galt Credit’s maximum is $1,500 — $1,000 in Texas. If you request more than that, any offer you receive would come from a different lender, not Galt Credit.
Approval is not guaranteed and is subject to verification of identity, income and banking history. A pre-approval is not a loan. Loans of this type are not offered to covered borrowers under the Military Lending Act. Submitting this form passes your details to a licensed lender or lending network; GaltCreditLoans.com is an independent information resource and is not Galt Credit.
What is a Galt Credit installment loan?
A fixed loan of $100 to $1,500 repaid in equal installments over roughly four to ten months. The application uses a soft credit check that does not affect your credit score, and approved funds usually arrive by the next business day. It is expensive credit: the APR on the lender’s published Texas examples is approximately 598%. Available in Texas, Wisconsin, Missouri and Utah only.
Key facts
| Product | Personal installment loan, unsecured |
|---|---|
| Amount | $100–$1,000 in Texas; $100–$1,500 in Missouri, Wisconsin and Utah |
| Term | About 4–10 months; minimum 120 days (Texas 120–180 days) |
| APR | Approximately 598% on the lender’s published Texas fee-schedule examples |
| Credit check | Soft inquiry — does not affect your credit score |
| Fees | No application fee, no prepayment penalty; $30 returned item, late fee $7.50 or 5% |
| States | Texas, Wisconsin, Missouri, Utah only |
| Funding | ACH, usually next business day; not guaranteed |
| Lender role | Direct lender in MO, WI, UT; Credit Access Business in Texas |
Who this is for
Galt Credit is a small-dollar installment lender. It rebranded from Lend You Cash and it underwrites, funds and services its own loans in Missouri, Wisconsin and Utah. In Texas it is licensed as a Credit Access Business and arranges the loan with an unaffiliated third-party lender. That distinction matters, so this site states it everywhere rather than burying it.
Small short-term loans are expensive credit. The annual percentage rate published in Galt Credit’s Texas fee schedule is close to 598%. We print that on the first screen instead of the fifth, because a lender that hides the number is telling you something about the number. source
If you can wait, save, borrow from family, ask the biller for a payment plan, or qualify at a credit union, those options will cost less. This one is for the weeks when they are not available.
Responsible lending
APR, finance charge, payment amount and total of payments are disclosed before you e-sign.
Checking what you qualify for leaves your credit score exactly where it was.
Settle early and you pay only the interest and fees earned up to that day.
The loan
Galt Credit does one thing: a small fixed-rate installment loan repaid across several months. Here is the shape of it.
Texas caps requests at $1,000. Missouri, Wisconsin and Utah go to $1,500. First-time borrowers usually start nearer the bottom of the range. source
Loans are contracted for at least 120 days. In Texas the term runs between 120 and 180 days. The number of payments follows your employer’s pay frequency.
The rate published in the Texas fee schedule, combining third-party lender interest of no more than 10% per annum with Credit Access Business fees. Rates vary by state and qualification. source
Approved loans are usually deposited by ACH for the next business day. Same-day is possible if your bank posts quickly. Neither is guaranteed.
Nothing is charged to apply and nothing is charged to pay the balance off ahead of schedule.
No car title, no pawn, nothing pledged. Payments are drawn by ACH from the bank account you authorise, and you can revoke that authorisation in writing.
How much you can borrow
First-time borrowers are underwritten on income and banking alone, so the opening amount is deliberately small. Repay on schedule and the ceiling moves.
First-time
up to $1,000
What Galt Credit advertises to new customers, and the state ceiling in Texas. Your offer may be lower than the cap.
Returning
up to $1,500
The state maximum in Missouri, Wisconsin and Utah, available once you have a completed loan on file.
Preferred
Best terms offered
Not a bigger loan — a better one. Longer-standing customers are the ones who tend to be offered the most workable schedules.
State caps are set by law and are not negotiable. Around 63% of the reviews submitted to this site came from people on a second or later loan.
How it works
Name, address, employer, income and the amount you want. Roughly two minutes on a phone. No documents to fax.
Instant bank verification confirms income and account activity. This is the soft check — it does not affect your credit score.
APR, finance charge, payment amount, number of payments and total of payments, all on a single disclosure before anything is binding.
Sign electronically and the deposit is sent by ACH, normally arriving the next business day.
5 minutes is the typical completion time reported by readers of this site; 83% of them reported funds arriving by the next business day. Funding speed depends on your bank and is never guaranteed.
Services
Galt Credit runs one underlying product — a small-dollar installment loan — marketed under several names depending on why you are borrowing. Here is each of them, and what a Galt Credit loan is not.
The core Galt Credit loan: a fixed amount, fixed equal payments, several months, unsecured. Everything else on this page is a version of it. Full explainer.
The same Galt Credit loan, decisioned on verified income and bank activity rather than on a credit score, using a soft credit check. What gets checked.
The bottom of the Galt Credit range — $100 to $400 — for a bill that cannot wait a fortnight. Amounts and limits.
Installments across several months instead of one lump sum on your next payday. Same high cost, better structure. How it differs.
There is no published score cut-off. A soft inquiry runs and contributes, but it does not act as the gate. What we check.
A completed Galt Credit loan repaid as agreed raises the ceiling to the state maximum. A new loan is a new agreement, never an automatic rollover.
Available in Texas, Wisconsin, Missouri and Utah only. Galt Credit is the direct lender in Missouri, Wisconsin and Utah; in Texas it operates as a licensed Credit Access Business. State availability.
Not offered by Galt Credit. The entire balance plus fees comes out on one date, which is what causes people to renew.
Not offered here. Usually far cheaper than a Galt Credit loan if you already hold the card, with interest from day one and no grace period.
Not offered here. Cheapest option for a small gap before payday, but capped low and it shortens your next cheque.
Not offered here. The cheapest credit on this list by a wide margin if you can qualify — many credit unions cap payday alternative loans at 28% APR.
Not offered here, and worth avoiding. Your vehicle is the collateral.
Not offered here. Works for a specific purchase, not for rent, utilities or a repair bill.
Structure
This is the real difference between the two products, and it is structural rather than a discount. Both are expensive; only one of them finishes.
Use cases
Illustrations only, built from the lender’s published Texas fee schedule. Your own amount, schedule and APR come from your loan agreement.
Eligibility
0 of 6
Choose your state to see whether Galt Credit lends there and how much you can request.
Estimator
$600
$100 minimum · $1,500 state maximum · $1,000 cap in Texas
Above $1,000 is offered to returning customers in Missouri, Wisconsin and Utah only.
Estimated payment
$0.00
·
Estimate only. Your exact APR, payment and total appear in your loan agreement before you sign. Rates vary by state, amount and repayment history.
Reviews
4.6
1,197 reviews
Reviews are submitted to GaltCreditLoans.com by readers who say they borrowed from Galt Credit, and are checked for duplicate submissions before publication. They describe individual experiences and are not a promise of approval, of a particular rate, or of how quickly your own money will arrive.
Transmission went out on a Tuesday and I had no way to get to work. Applied on my phone in the parking lot at lunch, got the decision back the same afternoon, and the deposit hit my account Wednesday morning. Everything I was going to owe was on the screen before I signed anything, which is not how the last place I used did it.
✓ Verified borrower
My score is in the low 500s after a rough two years, so I expected another decline. They looked at my paychecks and my bank account instead. The soft check they run really did not show up on my credit report — I pulled it after to make sure.
✓ Verified borrower
I have had lenders ask me to fax pay stubs to a number that did not work. Here I linked my bank, e-signed, and that was the whole thing. Took about five minutes on my lunch break and I had an answer before I got back to the floor.
✓ Verified borrower
I used a two-week loan once and could not pay the whole thing back on payday, so I rolled it and it snowballed. Splitting this one across set payments that line up with when I get paid is the only reason I could actually finish it off.
✓ Verified borrower
Four stars because this is not cheap credit and nobody should pretend it is. What I will say is that the cost was printed in front of me before I signed, and when my hours got cut in February a real person on the phone moved my due date instead of just running the draft and hitting me with fees.
✓ Verified borrower
Got a bonus two months in and paid the balance off. They only charged the interest that had built up to that day — no penalty, no arguing about it on the phone. Second time using them and the process was the same both times.
✓ Verified borrower
What it costs
The same $500, four ways. We are the longest bar on this chart, and we would rather you saw that here than worked it out after signing.
Read that top bar first. If a credit union will lend to you, it costs roughly a third of what this loan costs. That call is free to make and it should be the one you make before applying anywhere — including here.
Compare
More dots is better on every column, including cost — five dots means cheaper. A bank or credit union wins on price and will keep winning if your credit lets you qualify.
| Option | Amount | Speed | Cost | Repayment |
|---|---|---|---|---|
| Galt Credit installment loan $100–$1,500 · 4–10 months · fixed payments |
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| Two-week single-payment loan Whole balance due on one date · renewal is common |
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| Credit card cash advance Interest from day one · no grace period · needs an existing card |
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| Bank or credit union loan Cheapest credit here · hard credit pull · slower decision |
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| Earned wage access app Small advance against wages already earned · shortens your next cheque |
Rates and fees
Two fees exist beyond the finance charge, and neither applies unless something goes wrong. There is no application fee and no prepayment penalty.
The late fee is $7.50 or 5% of the late payment, whichever is greater. Fee amounts are taken from the lender’s published Texas schedule and can vary by state. source
Representative example
597.59%
Annual percentage rate on the $500 bi-weekly example published in the Texas fee schedule. source
In Texas this combines third-party lender interest of no more than 10% per annum with Credit Access Business fees. Your figures depend on your state, amount, pay frequency and qualifications.
Repayment
The number of payments is set by how often your employer pays you, so a due date should never land in the week you have nothing in the account. Weekly, every two weeks, twice a month and monthly schedules are all used.
You authorise automatic debits from the account you verified. That authorisation can be revoked in writing, and revoking it does not cancel what you owe — you then arrange another way to pay.
Pay the balance any time and only the interest and fees earned up to that date are charged. Because the cost is front-loaded across the schedule, paying early is where most of the saving on a loan like this is found.
If a payment is going to be short, call before the due date, not after. Galt Credit asks for at least two business days’ notice to arrange something. A returned payment costs $30, and a payment more than ten days late adds $7.50 or 5% of the payment, whichever is greater.
Where Galt Credit lends
Lending licences are issued state by state. If you do not live in one of these four, Galt Credit cannot lend to you, whatever an advert elsewhere suggests.
Missouri
$100 to $1,500, roughly 4 to 10 months. Contracted for at least 120 days as state law requires. Regulated by the Missouri Division of Finance.
Wisconsin
$100 to $1,500, roughly 4 to 10 months. Licensed with the Wisconsin Department of Financial Institutions, which runs a consumer credit hotline on 608-261-9555.
Utah
$100 to $1,500, roughly 4 to 10 months. Regulated by the Utah Department of Financial Institutions in Salt Lake City, 801-538-8830.
Texas
$100 to $1,000, 120 to 180 days. Galt Financial Solutions LLC is licensed by the Texas Office of Consumer Credit Commissioner and arranges the loan with an unaffiliated third-party lender rather than funding it. Texas borrowers also have three calendar days to cancel after signing.
Every other state: not available. That includes California, Florida, New York, Illinois, Ohio and the rest. A credit union, a community development lender or a local assistance programme is the better place to start if you are outside the four.
Why people choose it
The APR is on the first screen. A small short-term loan is expensive and this site says so rather than burying it under a monthly payment figure.
Finding out what you qualify for uses a soft inquiry. Your credit score is unchanged whether you take the loan or walk away.
Underwriting leans on verifiable income and bank activity, which is why a low score does not end the conversation on its own.
Nothing is pledged. Your car keeps its title and there is nothing to repossess.
The schedule is built around your pay frequency instead of an arbitrary calendar date.
The lender publishes a phone number, 1-800-402-8845, and staffs it during business hours. Call before a payment fails, not after.
The caveat: none of this makes the loan cheap. If a bank, a credit union, a payment plan with the biller, or help from family is available to you, take that instead. This product is for the situations where those doors are closed.
Responsible lending
This is a short-term, higher-cost loan intended for temporary cash needs, not a long-term solution. If you need credit over several years, a bank or credit union will usually cost less. Refinancing rather than paying the debt in full when it is due will require the payment of additional charges. Customers with ongoing credit difficulties should seek credit counseling.
Applications are subject to verification of identity, income and banking history. A pre-approval is not a loan. Meeting every listed requirement does not oblige any lender to extend credit, and the amount offered may be lower than the amount requested.
Federal law provides important protections to members of the Armed Forces and their dependents. Loans of this type are not offered to covered borrowers as defined by the Military Lending Act. If you are an active-duty service member, a spouse or a dependent, look for a lender operating under the 36% Military Annual Percentage Rate cap.
Signing the agreement authorises payments to be drawn electronically from the bank account you verified. You may revoke that authorisation in writing, subject to the notice period in your agreement. Revoking it stops the automatic debits; it does not cancel the debt, so arrange an alternative method of payment at the same time. A dishonoured payment carries a returned item fee of $30.00.
Applying uses a soft inquiry that does not affect your credit score. Once a loan is open, account activity may be furnished to consumer reporting agencies, which means on-time payments can help and missed payments can hurt. Collection activity on a delinquent account is governed by the Fair Debt Collection Practices Act: you cannot be threatened, called at unreasonable hours, or contacted at work once you have said in writing that your employer forbids it.
The application is completed and signed electronically, so you consent to receive agreements, disclosures and notices in electronic form. You can withdraw that consent, and you can ask for paper copies, using the contact details in your agreement.
The lender states that applications are processed over a 256-bit SSL connection and that customer information is not sold to third parties. This site collects nothing beyond what you type into the application form, which is transmitted to the lender or lending network that handles it.
About the lender
The company rebranded from Lend You Cash and now operates as Galt Credit, with a separate entity, Galt Financial Solutions LLC, handling Texas business under a Credit Access Business licence.
State licence documents are published on the lender’s own site. This page does not reproduce licence numbers; check them at the source before you apply.
FAQ
Sources
Rates, fees, amounts and availability change. Where this page and the lender’s current disclosures disagree, the lender’s disclosures are correct.
Keep going
A soft credit check shows your amount without touching your score. Nothing is final until you read the numbers and e-sign.
Advertising disclosure: GaltCreditLoans.com is an independent resource, not the lender. Applications submitted through this site may earn us a referral fee. It does not change what you pay, and cheaper alternatives are named on every page.
Approval is not guaranteed. Texas, Wisconsin, Missouri and Utah only.
