8 Loan Products

Indigo Card Loan Products

From a $200 cash advance to a $5,000 consolidation loan, every product comes with transparent pricing, no prepayment penalty, and on-time payments reported to all three credit bureaus.

Check Your Rate →Compare all →

8Loan products

$0Prepayment fee

3Bureaus reported

Reviewing Indigo Card loan options with a calculator

$200 – $5,000Across 8 loan products

Find your fit

Choose the right loan

Jump straight to the product that matches your situation, or compare them all at the bottom of the page.

Personal Installment Loan

A fixed-rate loan you repay in equal monthly payments. Because the rate and payment never change, it's the easiest product to budget for — and each on-time payment is reported to all three credit bureaus.

Amount$500 – $5,000

Term6 – 36 months

APR5.99% – 35.99%

Fixed monthly payment for the life of the loan
No prepayment penalty if you pay it off early
Funding as soon as the next business day

Best for: Planned expenses you want to spread over several months, such as a car repair, a move, or a medical bill.

Check your rate →

Instant Cash Advance from Indigo Card USA

Same day $200 – $1,000

02 / 08

Instant Cash Advance

A small, short-term advance for gaps between paychecks. Amounts are lower and terms shorter than a personal loan, so it's designed to be repaid quickly rather than carried for months.

Amount$200 – $1,000

Term3 – 12 months

FundingSame day*

Smaller amounts mean smaller total interest
Same-day funding when approved before 2 PM ET
Simple application with minimal paperwork

Best for: Short, one-time shortfalls you can comfortably repay within a few pay cycles.

Check your rate →

Revolving Credit Line from Indigo Card USA

Reusable Up to $5,000

03 / 08

Revolving Credit Line

Borrow what you need, when you need it, up to your approved limit. You only pay interest on the balance you actually use, and your available credit refills as you repay.

LimitUp to $5,000

DrawsAnytime

InterestOn balance used

Draw funds repeatedly without reapplying
Interest charged only on what you use
Minimum monthly payment with flexibility to pay more

Best for: Irregular or recurring expenses where you don't know the exact amount up front.

Check your rate →

Credit Builder Loan from Indigo Card USA

Builds credit $300 – $1,500

04 / 08

Credit Builder Loan

Built for people with thin or damaged credit. Payments are reported monthly to Equifax, Experian, and TransUnion, creating the on-time payment history that makes up 35% of a FICO score.

Amount$300 – $1,500

Term6 – 24 months

ReportingAll 3 bureaus

Designed to establish or rebuild payment history
Small payments that fit a tight budget
Graduate to larger amounts with on-time history

Best for: First-time borrowers, new US residents, and anyone rebuilding after past credit problems.

Check your rate →

All credit welcome $200 – $3,000

05 / 08

Bad Credit Loan

There's no minimum credit score to apply. Lenders look at your income and ability to repay alongside your credit report, so a low score alone doesn't rule you out.

Amount$200 – $3,000

Min. scoreNone

CheckSoft pull first

Income and cash flow considered, not just score
Pre-qualify with a soft pull — no score impact
Clear APR and total cost shown before you sign

Best for: Borrowers with scores below 600 who've been turned down by traditional banks.

Check your rate →

24/7 apply $200 – $2,500

06 / 08

Emergency Loan

When something can't wait — a broken-down car, a burst pipe, an urgent medical bill — this product prioritizes speed, with a quick decision and fast funding for approved applicants.

Amount$200 – $2,500

DecisionMinutes

FundingSame / next day

Apply online any time, day or night
Fast decisions for approved applicants
Fixed payments so the emergency doesn't become ongoing debt

Best for: Unexpected, time-sensitive costs that can't wait for your next paycheck.

Check your rate →

Second chances $300 – $3,500

07 / 08

Second-Chance Loan

For applicants with a past bankruptcy, collections, or charge-offs. Once a Chapter 7 or 13 bankruptcy is discharged, you can apply and start rebuilding with a fresh, positive tradeline.

Amount$300 – $3,500

BankruptcyDischarged OK

Term6 – 30 months

Considers discharged Chapter 7 and Chapter 13
Every on-time payment adds positive history
Path to larger amounts and lower rates over time

Best for: Borrowers rebuilding after bankruptcy, collections, or a major financial setback.

Check your rate →

Debt Consolidation Loan from Indigo Card USA

Save on interest $1,000 – $5,000

08 / 08

Debt Consolidation Loan

Combine several high-interest balances — usually credit cards — into one fixed payment. If your new APR is lower than your cards, you'll pay less interest and know exactly when you'll be debt-free.

Amount$1,000 – $5,000

Term12 – 36 months

PaymentsOne per month

One payment instead of several due dates
Fixed payoff date, unlike revolving card debt
Lower utilization once card balances are paid

Best for: People juggling multiple credit cards with APRs higher than their consolidation offer.

Check your rate →

Side by side

Compare all 8 products

Typical amounts and terms at a glance. Your actual offer depends on your credit profile, income, and state.

Product	Amount	Key term	Highlight	Best for
Personal Installment Loan	$500 – $5,000	6 – 36 months	5.99% – 35.99%	Planned expenses you want to spread over several months
Instant Cash Advance	$200 – $1,000	3 – 12 months	Same day*	Short
Revolving Credit Line	Up to $5,000	Anytime	On balance used	Irregular or recurring expenses where you don't know the exact amount up front
Credit Builder Loan	$300 – $1,500	6 – 24 months	All 3 bureaus	First-time borrowers
Bad Credit Loan	$200 – $3,000	None	Soft pull first	Borrowers with scores below 600
Emergency Loan	$200 – $2,500	Minutes	Same / next day	Unexpected
Second-Chance Loan	$300 – $3,500	Discharged OK	6 – 30 months	Borrowers rebuilding after bankruptcy
Debt Consolidation Loan	$1,000 – $5,000	12 – 36 months	One per month	People juggling multiple credit cards with APRs higher than their consolidation offer

*Same-day funding applies to applications approved before 2 PM ET on business days and depends on your bank. All loans are subject to credit approval. APRs range from 5.99% to 35.99%.

Not sure which loan fits?

Pre-qualify once and see which products you're eligible for — with no impact to your credit score.

Pre-Qualify in 60 Seconds →