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GreatPlains Finance, LLC does not lend in all States. Fill in the necessary fields. You need to be in your job for at least three months and have a checking account. Bad credit is not a concern â your collateral is the fact you work and that you are due a paycheck. Installment loans allow you to make payments over a long period of time, instead of having to pay back a traditional short-term loan all at once. Sounds pretty easy, right?