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Your life can run quite smoothly without hitches if you have an income that can sustain you till the end of the month. But what happens when a catastrophe strikes and you need some extra 3000 dollars? This is no small amount so it is hard to find a friend or relative to give you the amount.

Nation 21 connects you to just what you need in such a moment – lenders that can give 3000 dollar loans. Since many of our loans are payday loans, the lender may also offer you 3000 dollar installment loans that you repay in small portions every payday.

We do our best to ensure that the process is easy, fast, and convenient. We want to help you solve the problem at hand, not add to your stress.

Applying does NOT affect

your FICO® credit score!

Application Process

Nation 21 is a purely online platform. We, therefore, do not require you to come to any office for your loan to be processed. You only need to create a profile on the site which will be approved within seconds.

After that, you can send your request for the 3000 dollar loan and we will match you with a number of lenders that you can negotiate with and make a loan deal. You may also get a number of varying loan offers to depend on the structure of the repayment schedules. 3000 dollar installment loans, for instance, give you the option to repay the loan over a period of time.

3000 dollar installment loans

These are some of the most common loans available in the market. You can negotiate with your lender to create a schedule such that you can repay a certain amount at a constant interval. There are also varying options for 3000 dollar installment loans. For example, you can pay a fixed amount at every interval or the amount can be diminished such that every payment is lower than the previous one.

Assume that the lender has an interest rate of 12% and you are to repay the amount in six months. Here is how your repayment schedule for a 3000 dollar installment loan with fixed amounts would look like.

Sometimes the schedule for repayment schedules of the 3000 dollar installment loans is not so straight forward. As such, ensure that you understand all the necessary details before consenting to the loan.

Applying does NOT affect

your FICO® credit score!

Bad credit score

Many people that have bad credit scores shy away from applying for a 3000 dollar loan because they have convinced themselves that their application will be denied. Admittedly, it is a large amount and many traditional financial institutions would decline the request. However, there is a lifeline for you in Nation 21.

Our network of lenders is vast and many of the lenders have specialized in giving loans to borrowers with bad. Therefore, once we receive your request for the 300 dollar loan, we present it to these lenders and you will get a number of offers to choose from.

Tips to get your request approved fast

  • Research about potential lenders so that you know the crucial requirements beforehand. Most of them require you the applicant:
    • To be at least 18 years of age
    • To have a permanent, verifiable residence
    • To be a documented US citizen and resident at the time of application
    • To have a valid US identification document
  • Ensure your credit score and credit record is in the best shape you can afford
  • If you can, borrow from a lender you had previously borrowed from
  • Commit to repay the amount within the shortest period you can and make sure you follow through

What about late repayments and defaults?

If you apply for a 3000 dollar loan with bad credit, you are already a high-risk customer. We, therefore, encourage you to ensure that you repay the full amount as you had committed yourself to the lender. This is the reason we encourage you to negotiate with several lenders so that you can make a deal with the one whose terms are favorable for you.

Nevertheless, sometimes things don’t go as you had planned and you may get yourself unable to repay the amount you had borrowed. If this happens, communicate with your lender directly and inform them of your challenge. Many of our lenders have flexible terms and thus they can create a new schedule that allows you to pay within your means. Lenders offering a 3000 dollar installment loan, for example, allow you to negotiate the amount you can pay at a certain interval.

It is, however, best to be cautious. Before accepting the terms offered by the lender, read all the text so that you have a good grasp of their policy on such issues.


Loans are there to help us out as we stabilize the financial situation. Our lenders understand this and that is why they provide such loans as 3000 dollar installment loans that you can repay at your pace. Why practicing financial discipline, you will be able to repay the amount in good time and boost your credit record.

Applying does NOT affect

your FICO® credit score!

Do you have any further questions?