Plan each installment
Long Term Personal Loans With Fixed Biweekly Payments
Comparing long term personal loans? Lendify offers $300-$2,500 with fixed payments every 2 weeks. Estimate the schedule and total repayment for your budget, then start your application.
Approval is not guaranteed. Examples only.
Compare your schedule and total repayment
Choose a state, amount and term to see a biweekly estimate and monthly equivalent. The calculator is an estimate, not an offer of a particular schedule.
Estimate, not an offer. Approval is not guaranteed. Examples only.
Plan personal installment loans online
Use the estimate to compare the schedule with your budget. Review the payment frequency, APR estimate and total repayment together before deciding to apply.
Make the biweekly schedule clear
Lendify payments are due every two weeks. The calculator also shows a monthly equivalent to help compare the estimate with a monthly budget; it does not change the payment schedule.
Compare fixed rate personal loans carefully
Lendify describes fixed payments. Review the APR estimate and total repayment alongside the schedule when comparing fixed rate personal loans, and read the actual loan terms before signing.
Change the estimate, then check the total
Select your state, amount and estimated term to compare results. A different schedule changes the modeled repayment; the published state examples remain separate from your calculation.
Keep early repayment in mind
You may pay a Lendify loan early without a prepayment fee. Paying early lowers finance charges, so review this feature alongside the scheduled payments and total cost.
State loan examples beside your schedule estimate
| Amount financed | Term | Payments | Every 2 weeks | Total of payments | APR |
|---|---|---|---|---|---|
| $500 | 7 months | 15 | $41 | $595 | 60% |
| $1,000 | 11 months | 24 | $54 | $1,260 | 52% |
| $2,500 | 18 months | 39 | $85 | $3,327 | 39% |
| Amount financed | Term | Payments | Every 2 weeks | Total of payments | APR |
|---|---|---|---|---|---|
| $500 | 7 months | 15 | $36 | $547 | 30% |
| $1,000 | 11 months | 24 | $48 | $1,151 | 30% |
| $2,500 | 18 months | 39 | $80 | $3,119 | 30% |
| Amount financed | Term | Payments | Every 2 weeks | Total of payments | APR |
|---|---|---|---|---|---|
| $500 | 7 months | 15 | $37 | $557 | 36% |
| $1,000 | 11 months | 24 | $49 | $1,182 | 36% |
| $2,500 | 18 months | 39 | $83 | $3,252 | 36% |
| Amount financed | Term | Payments | Every 2 weeks | Total of payments | APR |
|---|---|---|---|---|---|
| $500 | 7 months | 15 | $37 | $557 | 36% |
| $1,000 | 11 months | 24 | $49 | $1,182 | 36% |
| $2,500 | 18 months | 39 | $83 | $3,252 | 36% |
- California: California Financing Law, Pilot Program (Fin. Code §22370): 36% a year on the first $1,000, 35% above it, plus an administrative fee of up to 7% or $90. Regulator: Department of Financial Protection and Innovation (DFPI).
- Texas: Texas Finance Code §342.201(e): up to 30% a year on loans up to $4,600 (the examples use 30% with no fees). Regulator: Office of Consumer Credit Commissioner (OCCC).
- Illinois: Predatory Loan Prevention Act (815 ILCS 123): 36% all-in APR cap. Regulator: Department of Financial and Professional Regulation (IDFPR).
- Arizona: A.R.S. §6-632: up to 36% a year on loans up to $3,000. Regulator: Department of Insurance and Financial Institutions (DIFI).
Any loan terms shown are examples. The actual loan terms you may qualify for may vary based on your specific payment schedule, credit determination and state law.
Requirements behind the payment estimate
18 or older
You must be at least 18 years old.
Live in a Lendify state
California, Texas, Illinois or Arizona.
$10,000+ a year
Annual income of at least $10,000 from a stable, verifiable source.
One Lendify loan at a time
No other active Lendify loan, and no Lendify application in the last 90 days.
Able to repay
Lendify looks at your monthly income and expenses.
Credit review
Lendify reviews your credit report and other criteria. Eligibility is not guaranteed.
Documents to prepare before loan review
1 photo ID
- Matrícula consular
- US driver’s license or ID card
- Foreign passport
- US passport or passport card
- Other government photo ID
- Green card
2 proofs of income
- Most recent pay stub
- Most recent bank statement
- Last month’s transaction history (check cashing or bank)
- Most recent benefit form or letter (welfare, unemployment, Social Security)
1 proof of address
- Bank statement
- Electric, water or phone bill
- Cable or internet bill
- Insurance statement
- Credit card or loan statement
- Mailed credit card or loan offer
- Current lease
- Pay stub
Originals only — no photocopies. You also add personal references; Lendify confirms they know you.
Apply online, then complete your documents
- 1Start online
Fill out the application. It takes a few minutes.
- 2Send references and documents
Add your personal references and upload your ID, income and address documents.
- 3Sign and get your funds
Lendify lets you know in about 24 hours after it receives all documents. If approved, sign your loan documents and receive the funds.
Compare schedules and fixed payment terms
| Question | Lendify | Other loan options |
|---|---|---|
| Payment frequency | Fixed payments are due every two weeks; the monthly equivalent is a budget estimate. | Check how often payments fall due and compare the schedule with your budget. |
| Term and total | The calculator models a schedule and total repayment for your chosen state, amount and term. | Check the term, number of payments and total repayment together. |
| Rate and payment | Lendify describes fixed payments. Calculator APR figures are estimates, not an offer. | Check whether the interest rate and payment amounts can change under the loan terms. |
| Paying early | Early repayment is allowed without a prepayment fee and lowers finance charges. | Check the early repayment policy and how it affects finance charges. |
Read the terms behind the schedule
- Payments are fixed and due every two weeks. Actual loan terms depend on the payment schedule, credit determination and state law.
Lendify Financial LLC
333 Bush Street, 17th Floor, San Francisco, CA 94104
(866) 281-3054 · [email protected]
Licenses
Loans are made by Lendify Financial LLC. Loans made or arranged in California pursuant to a California Financing Law license, in Texas pursuant to a Regulated Lender license, in Illinois pursuant to a Consumer Installment Loan Act license, and in Arizona pursuant to a Consumer Lender license.
Questions or complaints
- California: Department of Financial Protection and Innovation (DFPI)
- Texas: Office of Consumer Credit Commissioner (OCCC)
- Illinois: Department of Financial and Professional Regulation (IDFPR)
- Arizona: Department of Insurance and Financial Institutions (DIFI)
- Consumer Financial Protection Bureau: consumerfinance.gov/complaint
Ready to plan your payments?
Compare the scheduled payments and full repayment amount, review the requirements, then start your application.
Approval is not guaranteed. Examples only.
Questions about installment payment planning
What term range can I explore in Lendify's installment calculator?
The calculator models terms from six to eighteen months for amounts within the Lendify product range. These are estimate settings rather than an offer of a particular term. Actual terms depend on the payment schedule, credit determination and state law.
Are fixed payments the same as a fixed interest rate?
Fixed payments describe the repayment amounts due on the schedule. Lendify states that its payments are fixed and due every two weeks. Review the APR estimate and actual loan terms separately; the calculator results are examples, with actual terms depending on credit determination and state law.
Why does the calculator show a monthly equivalent for biweekly payments?
The monthly equivalent helps you compare payments with a monthly budget. Lendify payments are due every two weeks; the monthly equivalent is a budget conversion of that schedule. Review it alongside the estimated biweekly payment and total repayment rather than treating it as a monthly payment plan.
How does changing the estimated term affect total repayment?
Changing the term changes the modeled payment schedule and total repayment. Compare the estimated payment every two weeks with the total shown for each setting. The result is an estimate, not an offer, and remains separate from the published example loans for your state.
Can I repay an installment loan before the scheduled end?
Yes. Lendify permits early repayment and charges no prepayment fee. Paying early lowers finance charges. Before applying, review both the scheduled fixed payments and total repayment so you understand the planned commitment alongside the option to repay the loan early.
What must I upload before Lendify can complete its review?
Prepare one photo ID, two proofs of income and one proof of address, and submit personal references during the application. Lendify lets you know in approximately 24 hours after receiving all required documents. If approved, you sign loan documents before receiving funds.