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A short-term installment loan should be paid off in a month. Itâs a general limitation on time in the USA. But, depending on the State, the limitation varies. Some states provide to repay such a loan as an installment one or a payday up to 90 days (3 months). It doesnât mean that applying for a $200 you will totally pay it off in 90 days. The repayment period depends on the required sum of money, your payment abilities and sometimes your credit history. As itâs an unsecured debt, the lender is unlikely to provide you a bigger sum of money for a longer period of time. [link widoczny dla zalogowanych] Q: Is it easy to find college loans for people with poor credit? You can apply for another loan 72 hours after applying for your initial loan. Please be sure to disclose the fact that you have already applied for a loan when working with a lender to obtain a second loan. Installment Loans Direct Lenders Only