Frequently Asked Questions

Visit our homepage and complete the secure online form. It takes approximately 3 minutes and asks for basic personal, financial, and banking information. After submitting, you'll receive pre-qualified offers from lenders in our network within seconds.

You'll need your full name, current address, date of birth, employment status, monthly income, desired loan amount, and bank account details for direct deposit. You may also need your Social Security Number for identity verification.

Our lending network typically accommodates loan requests from $200 up to $35,000. Your eligible amount depends on your state, income, credit profile, and which lenders are active in your area.

Submitting our form uses a soft credit inquiry, which does not appear on your credit report and does not lower your score. If you proceed with a specific lender, they may perform a hard pull, which is standard and disclosed before you accept.

APR varies by lender, loan amount, repayment term, and your credit profile. In our network, rates typically range from approximately 5.99% to 35.99%. Lenders are legally required to disclose the full APR before you accept any loan.

Many lenders in our network charge no prepayment penalties. This means you can pay off your balance early and save on interest costs at no extra charge. Always verify prepayment terms in your specific loan agreement.

Loan terms typically range from 3 months to 60 months depending on the loan amount and lender. You'll repay in fixed monthly installments that are clearly disclosed before you sign.

Lenders in our network are required to fully disclose all fees in their loan agreements before you sign. Common fees may include origination fees or late payment fees, which vary by lender. We do not charge any fees to use our matching service.

Yes. Our network includes lenders who specialize in serving borrowers with poor, fair, or limited credit histories. Rather than relying solely on your FICO score, many lenders consider your current income, employment stability, and bank account history.

There is no universal minimum credit score requirement through our service. Individual lenders set their own thresholds, and some specifically serve borrowers with scores under 580. Submitting a form will show you which lenders you pre-qualify with.

Many lenders accept income from self-employment, gig work, Social Security, disability benefits, or pension income. You may need to provide additional documentation to verify income, but being self-employed does not automatically disqualify you.

It depends on the lender and how recent the bankruptcy was. Some lenders specifically work with post-bankruptcy borrowers. Completing our form will surface which lenders in our network are willing to work with your specific situation.

Most approved borrowers receive funds via ACH direct deposit within 1 business day after final loan acceptance. Some lenders offer same-day funding if you complete the process before noon on a business day.

Missing a payment may result in late fees, increased interest, and a negative mark on your credit report. If you anticipate difficulty making a payment, contact your lender immediately — most have hardship or deferral programs for proactive borrowers.

Many lenders in our network allow early repayment without penalty, which can save you money on interest. Always confirm prepayment terms in your specific loan agreement before signing.

If our network does not find a match for your request, you won't receive loan offers. In this case, we may suggest alternative resources such as credit counseling services, community assistance programs, or credit unions.

Yes. Our website uses 256-bit SSL/TLS encryption — the same standard used by major banks — to protect all data you submit. We are fully compliant with applicable data protection laws.

No. We do not sell your personal information to marketers or data brokers. We share your information with lenders only for the purpose of matching you with loan offers. Read our full Privacy Policy for details.

No. We are a free loan-matching service. We connect borrowers with a network of third-party licensed lenders. We do not originate, underwrite, or fund loans ourselves.

You can reach our team by phone at or by email at [email protected]. We're here to help answer any questions about our service or the loan-matching process.