Let us answer your questions

A personal loan is a fixed sum you borrow and repay in scheduled installments over an agreed period. Most are unsecured, meaning you do not put up a car or a house as collateral. The lender is relying on your income and your credit history instead. Because there is no collateral, rates are higher than a secured loan and the amount you can borrow is smaller.

You request an amount and a term. A lender assesses your application, and if it approves, it sends you an agreement setting out the APR, every fee, the monthly payment, and the total you will repay. If you accept, the funds are deposited into your bank account and repayment begins on the schedule in that agreement. The payment does not change from month to month, so you know the end date before you sign.

Lenders and lending partners in our network typically fund between $200 and $10,000. What any individual lender offers you depends on how it weighs your income, your existing obligations, your state of residence, and the legal limits that apply there. Loans are not available in every state, and being matched is not an approval.

Yes. The lenders in this network consider every credit rating, from no rating at all to excellent, and many weigh verifiable income more heavily than a score. Bad credit does not disqualify you, but it does affect price: expect to be quoted towards the top of the 5.99% to 35.99% band rather than the bottom.

Submitting the form authorises us and our lenders to verify your information and review your creditworthiness. Initial checks are frequently performed with alternative bureaus such as Teletrack, DataX, or Clarity, which do not affect your score. A lender may run a hard inquiry with Experian, Equifax, or TransUnion later in its own process, and it will tell you when it does.

We are a connection service, not a lender, and we say so on every page. We do not charge you anything at any point. We are paid by the lenders we introduce you to, which is a real conflict of interest that we disclose rather than hide. We publish our full lending policy, rates, and disclosures, and we will never ask you to pay a fee up front to release a loan. Anyone who does is running a scam.

Nothing, at any point. We are compensated by the lenders and lending partners we connect you to, not by you. Submitting a request is free, being matched is free, and declining every offer you are shown is free. Any legitimate lender discloses its own fees in writing before you sign, and none of them ask for money up front.

Most commonly an origination fee, which is a percentage of the amount you borrow and is either deducted from what you receive or added to the balance. On top of that you may see late payment fees and returned payment fees if a payment fails. Every one of these has to be named and priced in the loan agreement before you accept it.

Lenders in our network do not charge prepayment penalties, so paying a loan off ahead of schedule saves you the remaining interest. Confirm it in the lender document anyway. It is a specific line item and it takes ten seconds to check.

The interest rate is what you pay on the balance. The APR folds in the interest plus most of the fees, which is why it is the only number that lets you compare two offers honestly. A loan with a lower interest rate and a large origination fee can easily cost more than one with a higher rate and no fee.

The common floor across the network is that you are at least 18, a legal US resident, have a regular verifiable income, and hold an active bank account. Beyond that every lender sets its own criteria, and there is no single score or income figure that guarantees an offer.

Yes. The form asks how you earn rather than assuming a payslip. Some lenders in the network work with self-employed income, pension income, and benefit income. Fewer of them do, so expect a narrower set of matches than a salaried applicant would see.

It happens, most often because of state restrictions or because no participating lender is currently funding your profile. You will be told, we do not charge you, and nothing further happens with your request unless you ask us to try again.

No. Loan products, maximum amounts, maximum rates, and permitted practices are all governed by the law of your state of residence, and some products are simply not lawful in some states. This is why the form asks for your state, and why an inaccurate answer makes the match worthless.

The lenders and lending partners in our network, so they can evaluate your request, and the credit bureaus used to verify it. That sharing is the entire purpose of submitting the form. Our privacy policy names the categories of recipient and explains how to ask us to stop.

Use the unsubscribe link in any message we send, or the unsubscribe page on this site, and we process the removal within ten business days. That stops our marketing only. A lender you were connected to has its own list, and you need to contact it directly.

The reliable tell is money up front. No legitimate lender asks you to pay a fee, buy a gift card, or send a wire to release a loan. Others worth heeding: a guaranteed approval before anyone has looked at your file, pressure to decide immediately, no physical address, and a request to pay someone who is not the lender named on your agreement.