Installment loans from $100 to $1,500.
Crane Finance offers online installment loans for qualified U.S. residents — repaid in scheduled installments, not a single lump sum. Check your rate in minutes with no impact to your credit score.
Loan Amounts
Crane Finance installment loans are available in the following amounts, subject to eligibility and underwriting approval. First-time borrowers may qualify for a lower amount than returning customers.
The specific amount offered to you depends on your income, repayment capacity, and underwriting evaluation. You are not required to accept the full offered amount — borrow only what you need to minimize your total finance charge.
Loan Structure
Crane Finance loans are unsecured installment loans — meaning no collateral is required, and repayment is spread across multiple scheduled payments rather than a single lump sum. This distinguishes them from payday loans, which require full repayment on your next payday.
| Loan type | Unsecured personal installment loan |
| Loan amounts | $100 – $1,500 |
| Repayment | Multiple scheduled installments (not lump sum) |
| Payment alignment | Typically aligned with your pay schedule (weekly, bi-weekly, semi-monthly, or monthly) |
| Prepayment penalty | None — pay off early at any time to reduce total cost |
| Collateral required | None |
| Application method | 100% online |
| Disbursement | ACH direct deposit — typically next business day after approval and e-signature |
| Repayment method | ACH debit from your checking account on scheduled payment dates |
APR and Cost of Borrowing
This is a high-cost loan. Crane Finance installment loans carry a significantly higher APR than traditional bank loans, credit union loans, or credit cards. Review the full cost — including total finance charge and total of payments — before accepting any offer.
The APR on your loan is determined at the time of your application and depends on your loan amount, repayment term, and underwriting results. Your specific APR, finance charge, and total repayment amount will be clearly disclosed in your loan agreement before you e-sign — you are never required to accept.
Understanding the key numbers
- APR (Annual Percentage Rate): The annualized cost of borrowing — useful for comparing loans but not the most intuitive figure for budgeting
- Finance charge: The total dollar amount the loan will cost you beyond the principal — this is the most important number to review before signing
- Total of payments: Principal + finance charge combined — what you will have paid by the final installment
For a detailed explanation of how these figures work and how to calculate your true total cost, see our guide: Understanding APR and Loan Costs.
For the full rate table with example costs at different loan amounts, visit the Interest Rates & Fees section on our homepage. We keep that table on the homepage so all rate information is in one canonical, up-to-date location.
No Prepayment Penalty
There is no prepayment penalty on any Crane Finance loan. You may pay off your loan in full at any time before the final scheduled payment date. Doing so reduces the total finance charge you pay, because interest only accrues on the outstanding principal balance.
To arrange an early payoff, contact Crane Finance at 855-321-7654 or [email protected] at least 2 business days in advance to request your exact payoff amount.
Eligibility Requirements
To qualify for a Crane Finance installment loan, applicants must meet all of the following requirements at the time of application:
Crane Finance does not use traditional FICO scores from Equifax, Experian, or TransUnion as the primary underwriting factor. Instead, we use alternative credit bureau data from Clarity Services, DataX, and FactorTrust, with significant weight placed on verifiable income and banking history.
Checking your rate generates a soft pull only — no impact to your FICO score. For more detail on how credit inquiries work during the application process, see: How Applying Affects Your Credit Score.
What You'll Need to Apply
The Crane Finance online application takes approximately 5 minutes. Have the following ready before you start:
- Government-issued photo ID (driver's license or state ID — numbers and letters only, no symbols)
- Social Security Number
- Employer name, address, and phone number
- Your most recent pay amount and next pay date (pay date cannot fall on a holiday or weekend)
- Bank name, 9-digit routing number, and checking account number
- Valid email address and phone number (numbers and letters only, no symbols)
For a complete pre-application checklist, see: Everything You Need to Prepare Before Applying.
Governing Law
Crane Finance operates as an economic arm of the Menominee Indian Tribe of Wisconsin, a federally recognized sovereign tribe. Your loan agreement is governed by the laws of the Menominee Indian Tribe of Wisconsin and applicable federal law — not the laws of your home state. This means state lending laws, including state interest rate caps, do not apply to Crane Finance loans.
For full details on tribal jurisdiction, sovereign immunity, TILA disclosures, ECOA rights, and complaint escalation procedures, see our Licenses & Disclosures page.
Ready to check your rate?
Soft pull only — no impact to your FICO credit score. No obligation to accept.