How Our Loan Request Service Works

Our service turns one form into a shortlist of lender responses: you request an amount, lenders review it, you compare any offers, you sign only if you choose to, and you repay the lender directly.

1. Submit one request. Choose an amount from $500 to $5,000 and enter your contact, income and bank details. It takes about five minutes and is free.
2. Lenders review your details. We pass your request securely to lenders and lending networks that serve your state, and each one decides independently whether to respond.
3. Compare any offers. A lender that wants to lend shows you the APR, payment, term, fees and total cost, usually on its own website.
4. Sign only if it works for you. If you accept, you complete the lender's agreement and verification. If not, you close the page and owe nothing.
5. Get funds and repay the lender. Funds usually arrive by direct deposit, often the next business day, and you make payments to the lender, not to us.

After you submit, your request is matched to lenders by state, amount and basic eligibility, and lenders that choose to review it may run a soft credit check before showing an offer.

Matching is automatic and takes seconds. Lenders in our network set their own rules for credit, income and loan size, and many also work through partner networks that pass the request to other licensed lenders. If one lender declines, another may still respond. If none responds, you have lost nothing but a few minutes.

A soft credit check does not affect your score. A hard check happens only if you continue with a lender's full application, and that lender will tell you before it runs one.

We share the details you enter only with the lenders and lending networks that serve your request, so they can decide whether to make an offer, and never with unrelated marketers.

Your information travels over an encrypted connection. Lenders may contact you by phone, text or email about your request, as described when you submit. You can ask any lender to stop contacting you, and you can ask us to stop at any time by writing to [email protected]. Our privacy policy explains each category of data and how long we keep it.

Before you sign, read the lender's Truth in Lending disclosure and check four numbers: the APR, the finance charge, the amount financed and the total of payments, plus the date of your first payment.

The amount financed is what reaches your account after any fee. The total of payments is the full cost of the loan. If any number differs from what you saw on the offer screen, ask the lender to explain before you sign. Our rates guide explains typical APRs, and our calculator lets you check the math.

Walk away from any offer that asks for a fee before funding, hides the APR, pressures you to decide in minutes or adds insurance you did not ask for.

Licensed lenders deduct any fee from the loan or bill it on schedule, show the full cost in writing and give you time to read. If something feels wrong, close the page and tell us, so we can look into the lender.