Installment Loans Up to $1500

I have horrible credit so I'm pretty sure I cannot qualify...

Even if you have "bumps and bruises" on your credit, you may still be eligible for a cash advance at Empire Capital & Loan.

Frequently Asked Questions (FAQs)

How much money can I borrow?

Qualifying amounts are based on your current income and the lender's credit standards.  We may not always lend as much money as you would like but the product wouldn’t be beneficial if you could borrow more than you can repay.

Can active military personel apply for a installment loan?

Unfortunately we are unable to offer a product that meets the Military Lending Act’s specifications/requirements for making loans to active members of the Armed Forces

Can I get an installment loan using my Social Security benefits?

Yes, your loan will be due the same day you receive your next Social Security check. 

Why should I choose to take out an installment loan?

Installment Loans allow you to meet unexpected expenses or provide a short-term cash need between pay periods. Remember, they are not designed to be a long-term solution for managing your finances.

Installment Loans - Sherman, TX

Empire Capital installment loans are simple and affordable allowing you the flexibility to repay your loan over a longer period of time.  


You'll benefit from the best service in the industry, including working with our experts to help you stay within your budget and set up a payment plan that works for you.  

The sooner you apply, the sooner you can start taking back control. After all, only you know what’s best for your budget.

It's that quick and easy! Apply online today for FAST APPROVAL! 


What is an Installment Loan?

An installment loan is simple and straight-forward with no "surprises". You'll know exactly what to expect every payday with your fixed payments schedule.


​Our installment loans come with the same simple loan application and fast results that our short-term loans are known for.


 Much like our other loan products, installment loans can be a smart alternative to paying credit card charges or overdraft fees.

How does it work?

  • Fill out an application online for pre-approval or stop by our office and fill out a paper application. 

  • Bring your qualifying documents with you or email them to us at Empire Capital & Loan. 

  • Upon approval, you will receive the funds you need to keep you moving forward.

  • Make payments online or at Empire Capital & Loan Office.

  • Refer friends and receive $25 for each person you send to us!

What items do I need to apply?

  • Driver's License or ID Card

  • Social Security Card

  • Most Current Check Stub

  • Most Current Bank Statement

  • Voided Check or Debit Card

  • Online Access to Checking Account

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Empire Capital and Loan adheres to and complies with all state and federal regulations and requirements for credit card transactions. Empire Capital and Loan only services customers in the state of Texas as licensed by law. 

Empire Capital and Loan has a standard fee of $25/$100 borrowed as outlined on the fees and disclosures page. For complete details and all repayment charges checkout the fees and disclosure page.