Quick answer
The IRS offers short-term payment plans of up to 180 days and long-term installment agreements paid monthly. Individuals who owe up to $50,000 in combined tax, penalties and interest and have filed required returns can usually apply online. Penalties and interest keep adding up until the balance is paid, and long-term plans may have a setup fee, lower with direct debit and for low-income taxpayers.
How to apply
- File every required return. Even if you cannot pay.
- Check what you owe. Your IRS online account shows the balance.
- Apply online. The Online Payment Agreement tool approves most qualifying plans right away.
- Pick direct debit if you can. Lower setup cost and fewer missed payments.
- Pay every month. Missing payments can end the plan.
Common questions
What if I cannot afford any payment?
Ask the IRS about Currently Not Collectible status or an offer in compromise. Low Income Taxpayer Clinics can help.
Does an IRS payment plan hurt my credit?
The IRS does not report payment plans to credit bureaus.
Should I file if I cannot pay?
Yes. The failure-to-file penalty is usually much larger than the failure-to-pay penalty.
Where these facts come from
Sources checked October 10, 2026. Programs and rules change; confirm details with the agency or company before you act.
Disclosures
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Rates and terms. Each lender sets its own rates, fees, and terms and will disclose them in writing as required by the federal Truth in Lending Act before you sign. Personal and installment loans from lenders in our network typically carry APRs from about 5.99% to 35.99% with terms from 3 to 84 months. Representative example: a $5,000 loan over 36 months at 15.99% APR has 36 payments of $175.76 and a total cost of $6,327.36.