How our loan-request service works, step by step

You complete one free form, we send it to lenders and lending partners in our network, and a lender may show you an offer. The lender sets the terms, and you choose whether to accept.

We are a connector, not a lender. Our role ends once your request reaches a lender's page. From that point, the lender handles the credit decision, the loan agreement, the payout and your repayments.

Using our service is free and carries no obligation. Requests range from $500 to $5,000, and our service is not available in every state.

Most requests follow the same five steps: pick an amount, complete the form, get matched, review any offer on the lender's page, then accept or decline. Each step below explains what you do.

1. Choose an amount and purpose

   Pick an amount between $500 and $5,000 and the reason for the loan. Check the monthly cost first: $1,000 over 12 months at 24.99% APR is about $95.04 a month (estimate).

2. Complete the request form

   Enter your contact details, state, income, employment and bank account information. Lenders use these details to confirm your identity and judge whether they can lend to you.

3. Get matched with lenders

   We pass your request to lenders and lending partners in our network that may lend in your state and amount range. If one shows interest, you are usually sent to its page.

4. Review the offer on the lender's page

   Read the APR, fees, term, monthly payment and total repaid. The lender may ask for more documents or run a credit check before giving final terms.

5. Accept or walk away

   If the terms work, sign the loan agreement with the lender, which then sends the money. If they don't, close the page. You owe nothing for declining.

Before step one, our personal loan calculator shows how the term changes your payment, and the eligibility guide lists what lenders commonly ask for.

We use the details you enter to find lenders that may lend to you and pass your request to them. Once a lender receives it, that lender's own privacy policy also applies.

• Your form is sent over an encrypted connection.
• We share your request with lenders and lending partners in our network, because that is the purpose of the service.
• Lenders and partners may contact you by email, phone or text about your request, based on the consent you give on the form.
• We also use service providers, such as hosting and security vendors, that handle data on our behalf.

Our privacy policy explains what we collect, how long we keep it and how to ask us to delete it or stop certain sharing.

Our service does not make credit decisions, so any credit check is run by the lender. Many lenders start with a soft check, which does not affect your score, and run a hard check before final approval.

Each lender explains its own credit check on its page. If you are unsure whether a step will trigger a hard check, ask the lender before you agree. Rate shopping within a short window can limit the effect of several hard checks with some scoring models.

The form often takes about five minutes, a lender response can come within minutes or by the next business day, and approved loans are often paid out in one to three business days.

These are estimates, not promises. Weekends, bank holidays, missing documents and your bank's processing times can all add days. Our guide on how long personal loan approval takes covers the common delays.

Our service is free, but the loan itself costs money. Lenders typically quote APRs from roughly 6% to 36%, and many cap at 35.99%. Your rate depends on your credit, income and the term you choose.

As a representative example, $2,000 over 12 months at 24.99% APR is about $190.08 a month and $2,280.94 in total, including $280.94 in interest. The table shows how the APR changes the same loan (estimates).

If no lender makes an offer, our network had no match for your request at that time. You can lower the amount, check your details for typos, work on your credit, or look at other options.

• Check your entries: a mistyped income, ZIP code or bank number can stop a match.
• Try a smaller amount: a $1,000 request has a lower payment than $2,500, which may fit a lender's limits.
• Review your credit report: you can get free reports at AnnualCreditReport.com and dispute errors.
• Ask about other options: credit unions, a payment plan with the provider you owe, or an earned wage access app may help.

A request with no offer does not cost you anything. Wait until something in your situation changes, such as a higher income or a paid-down card balance, before you send another one.