The best replacement for installment loan is revolving loan.

Лучшие альтернативы к installment loan можно упорядочить следующим образом:
★★★★★  revolving loan
★★★★★  credit card
★★★  line of credit
★★  payday loan
★  credit card debt
★  single payment loan
★  revolving credit
★  payday
  consumer loan
  revolving

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installment loan
revolving loan
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