Installment Loans

From $200 - $3000*
Simple and Fast

Signature Installment Loans

Get a loan decision today!

Safe and Secure


See the lock in the URL bar? SimpleFastLoans uses GlobalSign verified and secure SSL to protect your information

Personal Information
Find your Mail Offer Promo Code in your Mail Offer Letter. No Mail Offer Promo Code, no problem! Leave the field blank and continue to apply.
Contact Information
Employment Information

Income Information

Bank Information

Voided Check

California permits this lender to write loans only for personal, family or household use. Do you intend to use the proceeds of this loan primarily for personal, family, or household use?

Disclosure Statement

Federal E-Sign Act Disclosure and Consent and Consent to Auto-dialed Marketing Calls and Text Messages:

By checking the "I AGREE" box, you affirmatively consent to the electronic delivery of documents, notices or disclosures related to the information you are submitting to Simple Fast Loans. Those documents, notices, and disclosures may include, but are not limited to, documents or notices associated with any loan obtained by you based on information you provide to this website, and the disclosures you may access by clicking on the tabs on this website.

Please click on the HTML links to review the disclosures prior to continuing with your submission. In order to retain these disclosures, you may print the documents by selecting Print, select your printer, and click on OK to print to your printer where the document can be printed on your own paper, or select Save or Save As to save and retain a copy on your computer.

You understand that you need a computer with Internet access and a compatible browser to receive, view, print or save the documents, notices, or disclosures. Specifically, you must have the following equipment and software:

  • A personal computer or other device which is capable of accessing the Internet.
  • An Internet web browser which is capable of supporting 128-bit SSL encrypted communications, such as Microsoft® Internet Explorer, Chrome®, Safari®, and Firefox®.
  • Software which permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 8.0 and higher.
  • A valid e-mail address on file with us, and e-mail software capable of interfacing with standard e-mail protocols.
  • Access to a printer with the ability to download information in order to keep copies of any documents for your records.

By affirmatively consenting, you confirm that you have access to the necessary hardware and software.

If you do not agree to receive these documents, notices and disclosures electronically, please do not place a checkmark in the “I AGREE” box and discontinue providing your information to us. You may withdraw your consent by unchecking the "I AGREE" button before continuing, but understand that doing so means that we will not be able to contact you as described below. If after consenting, you wish to withdraw your consent at a later time, you can do so by contacting us at 800-922-8803, or email us at

To update your contact information or obtain a copy of any document, notice or disclosure, you may contact us at the number, email address or mailing address set forth above.


Consent to Auto-dialed Marketing Calls and Text Messages. By checking the "I AGREE" box, you authorize Simple Fast Loans (including its agents and any related entities) to make telemarketing calls and send marketing text messages to your mobile telephone number listed above using an automatic telephone dialing system or an artificial or pre-recorded voice on a recurring basis. Signing this consent is not a condition of receiving a loan through us. If you do not wish to receive sales or marketing calls or texts from us, you should not check the "I AGREE" box. You understand that any messages we leave for you may be accessed by anyone with access to your voicemail or texts. You understand that your mobile phone service provider may charge you fees for calls made or texts sent to you, and you agree that we will have no liability for the cost of any such calls or texts. At any time, you may withdraw your consent to receive marketing calls and text messages by calling us at 800-922-8803, emailing us at, or by other reasonable means. Alternatively, to stop marketing text messages, simply reply "STOP" to any marketing text message that we send you.


Print   Save

Delaware Itemization Charges

Bi-Weekly Signature Installment Loans Consumer Phamplet $500-$750
Monthly Signature Installment Loans Consumer Phamplet $500-$1,000

How to Get a Cosigner Off of a Car Loan

May 13, 2019 | June Mckaig


Being a cosigner for a car loan is like playing the chaperon to a field trip, but with money. You are responsible for the person you sign for, and if that person defaults, that loan is on you. It’s sort of like a one-sided partnership, so you really have to be careful choosing who you decide to cosign for. But let’s switch the perspective a little, shall we?
What if you are the party who has taken out the loan, and no longer want or need the supervision of a cosigner? Whether it’s a divorce, a child becoming independent from his or her parents, or a friend wanting to no longer rely on another friend—removing a cosigner from your car loan can get tricky. Let’s got over a few tips that might make this process a whole lot easier.

1. Releasing a Cosigner from a Loan

Let’s try the straightforward approach first. Some dealerships or lenders allow for a cosigner to be released. Once a number of payments have been made on time by the borrower, ask the lender if they would allow for the cosigner to be released from the contract—you can also check any loan documents you have to read the fine print concerning the matter. The borrower will need to demonstrate proof of good credit and an ability to repay the loan, meaning a recent paystub to show income. This will likely be the cleanest, quickest way to remove your cosigner; however, frequently this might not be an available option. The borrower probably needed a cosigner in the first place because of a lack of credit, so while you may have made the appropriate payments thus far and have income, you might not yet be attractive enough in the eyes of the lender, which leads us to the next option.

2. Refinance the Car Loan with an Installment Loan

Refinancing can be a useful tool, especially involving building and saving credit. The same can be said for removing a cosigner from the equation of your loan. This option would involve quite a bit of research into alternate loans, including their term of length, APR, borrowable amount, and whether or not they come from a respectable company. You will want a new loan that covers the expense of the old one, and with a reasonable interest rate that you can manage. If you are able to find one that satisfies this, then you can pay off your car loan from the dealer, thereby removing the cosigner from the responsibility of paying it, and focus on the new loan on your own.
One of the biggest hiccups in this option is this: presumably you required a cosigner on the initial loan because you didn’t have the required credit and income. If this is the case and you haven’t yet jumped into a better credit range, then you will probably have a very difficult time finding a new lender with decent terms. If this is the case, you will need to work on bettering your credit score before attempting this option, which will take time.

Why Refinancing with an Installment Loan Works

What are the benefits of refinancing your auto loan? Well, you have some serious potential in finding a better interest rate if you haven’t sunk your credit score. Why is this important? Your interest rate is extra money on top of what you owe, and the higher it is, the more money you lose. Let’s say that you owe $20,000 on your auto loan and your interest is 6% over the span of 60 months. You will be paying $333 a month towards your loan, and approximately $53 extra in interest, making your total payments on interest $3,199.
Now let’s say you refinance that loan for 3% interest, and because you’re more financially stable than before, you will be paying off your loan over 36 months instead. The total interest you will be paying on that loan equals $938—you can see, by speeding up the timetable and reducing the rate, you’re saving around $2,000 that can go towards your long-term savings. There are lots of tools on the internet that can assist you in seeing the big picture and understanding how big of an impact refinancing can have on your money situation, such as this refinance calculator

Use a Credit Card to Refinance

If you are able to open up a new credit card that has 0% APR for the first year, then this might be an even better option than refinancing with a new loan. If you have access to a credit card with no interest, then you will most certainly save money in the long run as opposed to making payments with interest on a loan; however, if you have calculated your expenses and find you will not be able to pay off the credit debt over the interest-free months, then you might wind up paying even bigger interest rates than before. Once your newbie credit card has expired its 0% APR time, the interest on it will be likely larger than that of a loan—it’s important to consider this, and balance transfer fees, when considering using a credit card to refinance.

3. Cut Your Losses and Sell

If you want to remove your cosigner from your loan, a last ditch effort you can also pursue is to sell the asset. If you are able to sell the car and make enough money to pay off the loan, you can take whatever financial loss that came previous to that in order to end the whole ordeal. A good thing to keep in mind if you consider this option is your state’s requirements for transferring the ownership of a car to another party. DMV requirements involve a rather long list you will need to check off, so take a look at that before you do any of the selling. Please also remember you will likely make more off of selling your car if you actually know the value of it, and you might make more if you sell it on your own, as opposed to trading it in or through another dealership or used car shop.
Know that if you are going through the grueling trials of a divorce, and if there isn’t a more amicable way of dealing with a car on loan, you can also consider a Petition for Judicial Sale in lieu of Partition if your ex is on the title of the car; however, before moving past just speaking with your soon-to-be ex-spouse, it might not be a bad idea to seek advice from a lawyer.

Cosigners and Signers: It Goes Both Ways

Whether you’re the one with the car under a loan trying to go independent from your cosigner, or whether you’re the cosigner no longer wanting to be responsible for a loan, these tips help both parties in the event of dropping a cosigner from a car loan. The best option before doing anything would be to speak with each person involved before coming to a decision, that way there is no confusion during the process. Don’t be afraid to ask the lender questions if you are confused with any of the terms on your loan, and always make certain you have a copy of the agreement on hand.