{"id":292,"date":"2018-11-22T09:36:20","date_gmt":"2018-11-22T09:36:20","guid":{"rendered":"https:\/\/www.cashamericatoday.com\/blog\/?p=292"},"modified":"2026-04-16T12:27:18","modified_gmt":"2026-04-16T12:27:18","slug":"how-long-do-installment-loans-stay-on-credit-report","status":"publish","type":"post","link":"https:\/\/www.cashamericatoday.com\/blog\/how-long-do-installment-loans-stay-on-credit-report\/","title":{"rendered":"Do Short Term Cash Loans Impact Credit Ratings?"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"wp-block-paragraph\">Short-term loans are emergency installment loans (although they can have repayment terms of up to 3 months) and payday loans (need to be paid off by the coming&nbsp;paycheck day). When a borrower gets funds through such small cash loans, mostly private lenders do not bother to report credit agencies like Equifax, Experian, and TransUnion. It is only when large-scale borrowing takes place that reporting credit transactions makes sense. However, some lenders report this financing too. They then appear on the credit reports and add to the credit history, which is good.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition, debt collectors or lenders may report late repayments when borrowers fail to inform them. In this case, the reporting impacts the credit rating negatively.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.cashamericatoday.com\/blog\/wp-content\/uploads\/2018\/11\/How-Long-Do-Installment-Loans-Stay-On-Credit-Report.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"626\" height=\"417\" src=\"https:\/\/www.cashamericatoday.com\/blog\/wp-content\/uploads\/2018\/11\/How-Long-Do-Installment-Loans-Stay-On-Credit-Report.jpg\" alt=\"How Long Do Installment Loans Stay On Credit Report\" class=\"wp-image-1701\" srcset=\"https:\/\/www.cashamericatoday.com\/blog\/wp-content\/uploads\/2018\/11\/How-Long-Do-Installment-Loans-Stay-On-Credit-Report.jpg 626w, https:\/\/www.cashamericatoday.com\/blog\/wp-content\/uploads\/2018\/11\/How-Long-Do-Installment-Loans-Stay-On-Credit-Report-300x200.jpg 300w\" sizes=\"auto, (max-width: 626px) 100vw, 626px\" \/><\/a><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">How Long Do Installment Loans Stay on Credit Report?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The duration of an&nbsp;<a href=\"https:\/\/www.cashamericatoday.com\/no-credit-check-loans\">installment loan<\/a>&nbsp;is reported on your credit history, depending on your current loan status and payment record. When you\u2019ve successfully paid off an installment loan, the account can stay on your credit report for a maximum of 10 years from the date of last activity (DLA). For individuals with active loans and a track record of late payments, the details of those late payments typically persist on the report for up to 7 years. Likewise, overdue installment loans marked \u201cnot paid\u201d are commonly listed for 7 years. In the case of an installment loan that has been handed over to a collection agency, its appearance on your credit report generally extends up to 7 years from the date it initially became past due. Regularly monitoring your credit report is advisable to ensure its accuracy and promptly address any discrepancies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to know whether installment loans show up on your credit report for a long time, then we have a definite answer for you. As we mentioned, only not making timely payments might hurt your credit; taking out a loan is just fine. Therefore, if you are paying off the installments or making a bulk payment on time and the lender is reporting the payments to the agencies, it is good for you if they show up in your report for a long time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Similarly, unruly payments can also hunt you if you need large amounts of funding.<br>In general, if the lender or debt collector reports the borrowing or late payment,&nbsp;<a href=\"https:\/\/www.cashamericatoday.com\/no-credit-check-loans\">installment loans<\/a>&nbsp;stay on the credit report for 7 years, which is a considerable amount of time. In some cases, they can stay on for up to 10 years. Therefore, you can have the positive impacts of the reporting for up to a decade if you prove to be a responsible borrower by adhering to the due dates. However, with bad credit as well, you can get an installment loan from&nbsp;<a href=\"https:\/\/www.cashamericatoday.com\/\">CashAmericaToday<\/a>&nbsp;with a 3-minute application process online.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Short-term loans are emergency installment loans (although they can have repayment terms of up to 3 months) and payday loans (need to be paid off by the coming&nbsp;paycheck day). When a borrower gets funds through such small cash loans, mostly private lenders do not bother to report credit agencies like Equifax, Experian, and TransUnion. It&#8230;<\/p>\n","protected":false},"author":3,"featured_media":1701,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[3],"tags":[144,143],"class_list":["post-292","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-installment-loans","tag-how-long-do-installment-loans-stay-on-credit-report","tag-installment-loans-stay-on-credit-report"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>How Long Does Installment Loans Stay On Credit Report<\/title>\r\n<meta name=\"description\" content=\"It hardly takes 3 minutes to apply and get funded on the same day. 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But have you ever thought how long do installment loans stay on credit report?\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.cashamericatoday.com\/blog\/how-long-do-installment-loans-stay-on-credit-report\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Useful Tips on Personal Finance | CashAmericaToday\" \/>\r\n<meta property=\"article:published_time\" content=\"2018-11-22T09:36:20+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2026-04-16T12:27:18+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.cashamericatoday.com\/blog\/wp-content\/uploads\/2018\/11\/How-Long-Do-Installment-Loans-Stay-On-Credit-Report.jpg\" \/>\r\n\t<meta property=\"og:image:width\" content=\"626\" \/>\r\n\t<meta property=\"og:image:height\" content=\"417\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\r\n<meta name=\"author\" content=\"David\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:creator\" content=\"@CashAmerica2day\" \/>\r\n<meta name=\"twitter:site\" content=\"@CashAmerica2day\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"David\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/how-long-do-installment-loans-stay-on-credit-report\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/how-long-do-installment-loans-stay-on-credit-report\\\/\"},\"author\":{\"name\":\"David\",\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/#\\\/schema\\\/person\\\/2a1d44171b210ae872b88d7dc9d11677\"},\"headline\":\"Do Short Term Cash Loans Impact Credit Ratings?\",\"datePublished\":\"2018-11-22T09:36:20+00:00\",\"dateModified\":\"2026-04-16T12:27:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/how-long-do-installment-loans-stay-on-credit-report\\\/\"},\"wordCount\":471,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/how-long-do-installment-loans-stay-on-credit-report\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/wp-content\\\/uploads\\\/2018\\\/11\\\/How-Long-Do-Installment-Loans-Stay-On-Credit-Report.jpg\",\"keywords\":[\"how long do installment loans stay on credit report\",\"Installment Loans Stay On Credit Report\"],\"articleSection\":[\"Installment Loans\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/how-long-do-installment-loans-stay-on-credit-report\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/how-long-do-installment-loans-stay-on-credit-report\\\/\",\"url\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/how-long-do-installment-loans-stay-on-credit-report\\\/\",\"name\":\"How Long Does Installment Loans Stay On Credit Report\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/how-long-do-installment-loans-stay-on-credit-report\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/how-long-do-installment-loans-stay-on-credit-report\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/wp-content\\\/uploads\\\/2018\\\/11\\\/How-Long-Do-Installment-Loans-Stay-On-Credit-Report.jpg\",\"datePublished\":\"2018-11-22T09:36:20+00:00\",\"dateModified\":\"2026-04-16T12:27:18+00:00\",\"description\":\"It hardly takes 3 minutes to apply and get funded on the same day. 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