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Bad credit is not an automatic no.

Lenders in our network fund from $200 to $10,000 with APRs from 5.99% to 35.99%. Check your options† today.

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The process

No mystery, no theatre

Here is exactly what happens between the moment you press submit and the moment money lands, including the parts we have no control over.

Start my request
  • About two minutes
  • Free to submit
  • No obligation
A man calmly reviewing envelopes while checking his phone at a kitchen table.

The process

It really is this simple

  1. 01

    Submit your request

    Our fast and secure online form can be completed in just 2 minutes.

  2. 02

    Review top lender offers

    Our lenders consider all credit score ratings, from no rating to excellent.

  3. 03

    Receive your funds

    Select your lender and receive your funds as soon as the same business day.

Nothing hidden

Every question, and why we ask it

Six things. Nothing else. We do not ask for a Social Security number or your bank login on this website, and you should be suspicious of any comparison site that does.

01How much you want
It decides which lenders even see your request. Some fund small amounts, some will not look at anything under a thousand dollars.
02What it is for
Lenders price a car repair differently from a debt consolidation. You are never asked to prove it or document it.
03How you rate your own credit
A rough answer is enough. It saves you from being sent to lenders whose minimum you were never going to clear.
04Your income and how you earn it
This is the part that matters most here. Steady, verifiable income can outweigh a score that reflects a bad year.
05Your state and ZIP
State law decides which products are legal for you at all, and what the rate can be. Get this wrong and the match is worthless.
06Email and mobile
So a lender can reach you. We are not going to call you to sell you anything.

A lender collects identity and banking details later, on its own secure system, after it has shown you its terms. That order matters. You should know the cost of the loan before you hand over anything sensitive.

A realistic timeline

How long each part takes

The form is the quick part. Verification and the receiving bank determine the rest.

  1. About 2 minutesFilling in the form. Six short screens, nothing to upload.
  2. Within minutesMost people hear back from a lender in the network.
  3. Same dayReading the offer, on the lender site, before you agree to anything.
  4. 1 to 2 business daysFunds land in your account, if you accepted.‡

Timings describe how the process usually runs. Individual lenders set their own verification steps and funding schedules, and a bank can take an extra day to post a deposit.

Read this part

What we are not promising you

Plenty of sites in this corner of the internet are vague about the following. We would rather be boring and accurate.

  • That you will be matched at all. Some requests find nobody, usually because of state rules or because no lender is currently funding that profile.
  • That a match means approval. It means a lender is willing to look at you.
  • That an approval means funding. The lender can still change its mind after verification.
  • Any particular rate. We do not set it, negotiate it, or see it.

What we do promise is narrower and we can actually keep it. Your request reaches the lenders whose published criteria it fits, in order. You see every rate and fee before you commit to anything. And you are never charged a cent by us, whatever happens.†

What the lender has to show you

Once you are handed over to a lender, federal law is on your side. Before you sign, it has to put the following in writing, in a form you can keep.

  • The APR

    The single number that lets you compare two offers honestly, because it folds in most fees. Our network works within 5.99% to 35.99%.

  • Every fee

    Origination, late payment, returned payment. If a charge exists, it has to be named and priced.

  • The payment schedule

    How much, how many times, and the date the loan is finished.

  • The total you repay

    Principal plus everything else. This is the number people skip, and the one that stings.

If any of it is missing, unclear, or more than you can comfortably repay, close the tab. Declining costs you nothing and no lender will chase you for walking away.

One click. One form. That close.

Get fast, secure, and personalized loan options in minutes.

  • No origination fee to apply
  • No prepayment penalty
  • No obligation to accept
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Free to use · Not available in all states · Being matched is not an approval