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Short term loans such as payday loans, the amount you can borrow is largely dictated by your income. But sometimes you have a financial need that requires an amount that your income cannot cover. Long term installment loans are designed to help you borrow such loans. You repay the loan in installments that can be spread over a number of years.

Applying does NOT affect

your FICO® credit score!

The terms and conditions are the most important part of a long term installment loan. At Nation 21 we connect you with multiple lenders that you can negotiate with to get the best loan deal. Therefore, if you are in need of a loan that you can repay over a period of time search your profile with Nation 21 today. All you need is a device that can connect to the internet.

Why take a long term installment loan?

Consolidating your credits

Credit card debts and short term loans often have very high rates. If you find that it is becoming difficult for you to clear the cumulative interests, you may take a long term installment loan with lower charges and pay off the debt.

You can also follow the same strategy if you have several loans that you are finding hard to manage.

Purchasing the main item

You can borrow as much as $10,000 in long term installment loans. This amount is enough to make a big purchase, renovate your car or house, or even expand your investment. Before making the deal, assess the importance of the purchase and compare it to the cost of the loan.


Many online lenders will let you renegotiate the terms of your repayment plan as you continue to repay. In some instances, you can get a payment break, i.e. A period of a few months that you don’t pay the required installment amount. However, if you do get such a deal, communicate with your lender to confirm whether the interest will still be calculated during this period.

No credit check

If you have a not-so-good credit rating, you may wish to apply for a long term installment loan with no credit check. Direct lenders, however, will often decline such applications or charge you extra rates. However, if you use Nation 21 to apply for such long term installment loans with no credit check, direct lenders in our network will make offers for you to choose from.

Long term installment loans versus short term payday loans

Short term payday loans can be really helpful in some situations. However, they have some shortcomings that you can overcome through long term installment loans. We highlight some of them below:

Long term installment loans with bad credit

Many borrowers are afraid to take long term installment loans because they are afraid that their bad credit rating will disqualify them. This, however, is a misconception because you can get long term installment loans with no credit check. Direct lenders may decline your application because they consider you a high-risk customer. We can not guarantee a long term loan though we try really hard to match you with the best possible lender.

At Nation 21, however, many of our lenders will consider other factors beyond your credit rating. All they need to know is that you are committed to repaying the loan. Through further negotiations, you can make an arrangement whereby your rating is reviewed as you repay the loan.

Applying for loans through Nation 21

Searching for online lenders on Google and other search engines will give you so many results that you could get confused. There are also many scammers among those results that could lead you to a worse financial situation than you already are.

In long term installment loans, a small detail in the terms and conditions can lead to a big change in the amount you repay the lender. At Nation 21, our aim is to connect you with reputable online lenders that will not take advantage of your desperation to defraud you.

The first step you need to take is to create a personal profile on our site. Our team then verifies your details and you get a response in a matter of minutes.

Once your profile has been approved you can then proceed to apply for the long term installment loan you desire and we will get you the lenders with the best terms for you. You can then discuss with the various lenders so that you can choose the one who meets your preference.

All this process is done online and all you need is a mobile phone, laptop, or any other device that can access the internet.

In conclusion

Long term installment loans are great for you if you use them wisely. Paying in installments also helps a lot because you can make a repayment strategy for several months in advance and monitor the remaining balance every month.

Create a profile with Nation 21 today and we will connect you with some of the best lenders of long term installment in the country.

Applying does NOT affect

your FICO® credit score!

Do you have any further questions?