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InstaLoan

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5.1

Overall Score

Author: Kaitlyn Short

LAST UPDATED: February 13th, 2025

As a newer lender, InstaLoan is a fast loan resource for those living in Florida and Georgia, with multiple branch locations that consumers can visit when needed. InstaLoan offers a quick loan application process for those looking to get a 1st lien loan, signature loan, or personal loan. The company advertises that customers are able to receive funds ranging from $250 to $2,000 in about 30 minutes. It is important to note that each loan option offers different minimum and maximum loan amounts.
Potential borrowers interested in doing business with InstaLoan can quickly and easily apply online and manage accounts and balance on the InstaLoan mobile app, making personal loan management simple and manageable on the go.

InstaLoan has mostly positive reviews that highlight exceptional customer service and a quick loan application process. To read more about the customer experience, check out InstaLoan reviews below and see how it compares against other lenders. 

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The Good

  • Credit Requirements
  • Funding Time
  • Mobile App
  • Locations
  • Qualifications Documents
  • InstaLoan Reviews

Credit Requirements

InstaLoan has a very liberal credit policy that allows the company to provide customers with a loan whether they have good, very poor, or no credit at all. This allows them to provide all three of its loans (1st lien loan, signature loan, and personal loan) to anyone who is in need of a loan. However, if you are looking for a low interest rate on a loan, managing your credit score is very importsnt. Generally, borrowers will receive the lowest rates and most agreeable terms if they have a good to excellent credit score. But, for those with bad credit, InstaLoan's flexible credit policy may allow them to be approved for a loan when they may not with other lenders.

Funding Time

In comparison to other lenders, being able to receive funds in 30 minutes is impressive. Therefore, if you are looking for an instant loan that will be approved quickly, InstaLoan may be a good option. For approval, InstaLoan asks for a government-issued ID, a checking account, and pay stubs or bank statement; they may also ask for a clean car title. InstaLoan offers three main loans with varying amounts:

  • 1st Lien Loan: $500 to $2,500
  • Personal Loans: $500 to $2,000
  • Signature Loans: up to $250

With three loan offerings, InstaLoan can meet various consumer needs. However, if you are looking for a larger loan amount, you will have to look elsewhere, as InstaLoan loans do not exceed $2,500.

Mobile App

For a relatively small company focused in Florida and Georgia, it is unique and noteworthy that InstaLoan offers a mobile app. With the InstaLoan app, borrowers can manage their accounts and check balances, in addition to the ability to make loan payments at any time. The loan boasts ease of usability and is available on both iOS and Android.

Locations

InstaLoan has several available locations for customers to come receive their loans in Florida and Georgia. Along with having a large number of physical locations, InstaLoan also offers online options for those who live too far from one of its locations. However, doing business with InstaLoan will likely be easier and more convenient if you live in either Florida or Georgia and have access to a branch location if needed.

Qualification Documents

Although InstaLoan has limited information on its website, the company is transparent about what documents customers need when applying for a loan. On its website, InstaLoan lists each required document for each loan option:

  • 1st Lien Loan: A car with a clear or lien-free car title, a valid government-issued ID, proof of residence, and proof of income.
  • Personal Loan: A valid government-issued ID, proof of residence, a pay stub or bank statement, and either be up-to-date on your car payments or have the car title of a paid-off car. 
  • Signature Loan: A valid government-issued ID, a checking account, proof of residence, and a pay stub or bank statement.

InstaLoan Reviews

The majority of InstaLoan's reviews are positive, giving the business a high customer rating. Complaints are limited and reviews highlight quality customer service, a quick loan application process, and satisfactory rates. Positive reviews are a good indicator that a company is trustworthy and creates beneficial customer experiences.

Many lenders, online lenders specifically, often have poor reviews for lack of quality service and competitive rates, but InstaLoan proves that this isn't the case with its business. 

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The Bad

  • Lack of Transparency
  • Only Servicing Georgia and Florida

Lack of Transparency

Even though InstaLoan has multiple great services, there are a few areas of concern. InstaLoan does not reveal the interest rates for its loans or the term length. When trying to make the best-educated decisions, term length and interest rates are important factors and could potentially turn away customers that are looking for transparency. These factors will be based upon the information that you provide the company, but it is difficult to know what to except when you apply, as these rates and terms are not outlined up front.

Only Servicing Georgia and Florida

InstaLoan is only available in two states, which causes its market to be quite small in comparison to other personal loan companies. Consumers looking to borrow loan funds that are outside of this service area will have to look into other financial options. 

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The Bottom Line

InstaLoan is a quick option for those who are looking to receive a loan as soon as possible, especially if a customer has a low or no credit score. InstaLoan also has mostly positive reviews, giving peace of mind that the customer experience is typically a positive one. Based on these positive reviews, we can recommend this company, but it is always important to assess your financial needs.

However, InstaLoan's lack of transparency on annual percentage rates and term lengths is concerning for potential customers. Since there is a wide range of personal loan businesses, better options are available for those who have a little more time to shop around or have a better credit score.

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Star Rating

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3.6

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66 Reviews

Review Breakdown

5 grade

58%

4 grade

8%

3 grade

2%

2 grade

2%

1 grade

32%

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Tonni

Gabby N I Definitely would recommend her to customers. She is Professional, and knows her job well. She gets straight to the point. Job well done.

2 months ago

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Wonderful Griffin

Great customer service! Everyone I've met here are very courteous and caring. I thank them very much for their help. In my time of need I would recommend anyone to give them a try if you need a loan

5 months ago

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Crystal Hopkins Mary Esther, FL

Although title loans are expensive and something one should NOT do, The Insta loan on Beal Pkwy in FWB Fl is the best place to go for one if u must!! Loretta and her co employee are the most amazing ladies to deal with! They will make sure they give you all the details and treat you so well throughout your loan process they are very experienced with the company and they are happy to answer any questions you may have! I hated having to make a monthly payment but I actually looked forward to seeing the ladies who operate that location!

7 years ago

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Stupid to get a car title loan Miami, FL

So, word of caution instaloan makes it easy to get a loan but what ever you do -try not to ever to a title loan but if you do and cannot pay be on the he lookout for a gray 2021 Corolla with license plates. Will follow you and call to have your vehicle towed. Try other alternatives before you get a loan from these people!!!!

2 years ago

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Debbie Debbie Jacksonville, FL

The best friendliest customer service I've experienced. Fast and friendly loan approvals in minutes and walk out the door cash card in hand. They also have an app that you can install on your phone to make payment easy. Mike is the manager of the store and does a great job running the place. Just tell him Debbie C sent you!

4 years ago

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Ms Jackson Jacksonville, FL

The experience was painless. Mike explained the loan process and made sure I didn't have any questions. He also followed up to make sure I didn't have any questions several days later. I recommend them if you are in need of a short term loan.

6 years ago

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Justin Bruce Saint Augustine, FL

The Service Professional is very polite, loan was fast I was approved and out the door in 15 minutes. I would definitely recomend Instaloan to my family and friends. They're always polite , I enjoyed sitting in there and applying. :) :) :) :) :) If you're looking for a loan or Advance then this is the place to go too!

6 years ago

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LaTanya McSwain Fort Myers, FL

This business is excellent when it comes to service from their employees. I'm always greeted and well taken care of by Rosa . I will continue to use only Instaloan when needing a loan. THANK YOU EVERYONE AT INSTALOAN FOR YOUR GREAT SERVICE!!!!!!!

6 years ago

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Angel Perez Orlando, FL

I have fair credit and was denied loans elsewhere. Lyn and the team at the Orlando branch were super patient and helpful. They made me feel great and their customer service was superior to any. They treat you like family. Thumbs up.

6 years ago

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Consuelo Royster Pensacola, FL

I had some unexpected bills and I tried to borrow money from loan companies and I came across this company, They were able to help me thru my time of need and I can always go back to them. So if anyone need any financial assistance this company will help you again thank you Instaloan for providing me with the help that I needed.

7 years ago

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Holly Fivek

Lisa in instaloan in Longwood was very friendly and helpful with helping with a loan.

3 months ago

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Tyson Reeves Sr Pensacola, FL

My experience with Joesph at The Creighton rd store was amazing he was so friendly and gave all info about the loan process like a champ Thank you all so much this truly made my day

5 years ago Edited September 14, 2021

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Marcus Curtis Melbourne, FL

Insta loan was there when I needed it! I worked with Jason B. in the Palm Bay Florida office . He was very helpful and explained everything in easy terms so I could understand!

7 years ago

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Kevin Chodazeck

Evy was very friendly and helpful. So was the manager. Thank you

3 months ago

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Jane Wills

Office was very clean n welcoming pleasure to b there chairs where very comfortable relaxing Nancy was very informative n personable pleasure to talk with

3 years ago

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yolanda Nieves Orlando, FL

Great customer service! Despite the fact that Bryan was by himself, answering phones, attending to three customers at once, he kept his cool. Thanks!

3 years ago

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Eric

Rich was awesome to work with. Very nice man who really helped me with the loan in a very timely manner. I recommend him highly if you need a title loan.

5 years ago

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Helen Nokomis, FL

They’ve given me a loan and extended my loan and most of all they’re friendly very informative very accurate and they like my dog and I’m truly grateful

5 years ago

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steve Jacksonville, FL

Michael M is very professional and has amazing customer service skills. if your looking for a loan contact him He will make it painless and very easy..

6 years ago

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Dabbsy Chandler Melbourne, FL

We went in with a dilemma. Jason at the Palm Bay store Jack was ABSOLUTELY WONDERFUL!! Would so recommend to a friend in need. Thank you so you very much!!!

6 years ago

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Carmen Miami, FL

Excellent Customer Service. The process is simple and fast. I was turned down by a similar company but they took very good care of me.I recommend them

6 years ago

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N.cooper Port Saint Lucie, FL

Instaloan has great customer service and was there for me when i needed money for an emergency! Would recommend them to everyone

6 years ago

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John Graham Tampa, FL

A great place to do business at the Fowler Ave Tampa Carmon and her staff are very professional they do everything with a smile. John Graham

6 years ago

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AJ Spradley St. Petersburg, FL

I came in one day and it was easy and quick. Tanaeya did a good job helping me. She showed nothing but kindness and she was professional.

6 years ago

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Brian Link Ellenton, FL

Great to do business, very easy to get the help you need, Tannatha was great very efficient, thank you.

6 years ago

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Sean Johnson Largo, FL

At the St. Petersburg location, Ms. Tanaeya was very nice, kind, courteous, and knowledgeable about the business.

6 years ago

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Naury Caridad Fijon

BEST RATES AROUND ANY TOWN , EXCELLENT CUSTOMER SERVICE AND GREAT ATTITUDE FROM EVERYONE. J , J & A

7 years ago

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Jessica Emfinger

Jalisa and zee were the best with helping me with my title loan!!

10 months ago

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BIGDAWG'S How to channel FL

William help me with no issues he was honest and straight forward got me in and out fast

1 year ago

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op West Palm Beach, FL

Great service, in and out quickly. They even helped me find a good mechanic (network)

6 years ago

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janda l hackmann Fort Myers Beach, FL

Deanna l was very helpful and friendly. She stayed late to get me my loan. Which im grateful for

6 years ago

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Terri Kingman, AZ

Exceedingly quick loan processing, APR was within budget & customer service was knowledge & courteous.

2 years ago

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Nazaire Vernelus

My service today with Dahlia was excellent I highly recommend this company

1 year ago

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Amanda Deloach Pensacola, FL

Very professional and courtesy. Knew exactly what they were doing

5 years ago

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Corrine Spring Hill, FL

Everyone is always so courteous and helpful. Iveth and Denora are awesome!

5 years ago

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Katrina wellmaker Fruitland Park, FL

Mr C was very pleasant took time out to answer all questions.

6 years ago

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Von Tallahassee, FL

Friendly professional staff. Excellent service.

7 years ago

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Zackary Bounds Brandon, MS

Excellent interest rate for my for my fair credit score.

7 years ago Edited September 14, 2021