How It Works

This website is not a lender and does not make credit decisions, approve loan requests, set loan terms, or fund loans. The website provides a connecting service that allows consumers to submit a loan request and access lenders or lending partners in a network.

The process is designed to be simple. You provide basic information through an online loan request form, and one or more lenders or lending partners may review your information to determine whether they may present a loan offer. Approval is not guaranteed.

Submit a Loan Request

To get started, complete the online request form from a computer, tablet, or mobile device. You may be asked to provide personal, contact, employment, income, and banking information so that lenders or lending partners can evaluate your request.

By submitting your information, you confirm that you have read, understood, and agree to the Privacy Policy, Terms of Use, E-Consent, Responsible Lending, and Marketing Practices.

Lender Review

After you submit a loan request, your information may be shared with lenders or lending partners in the network. Each lender uses its own review process and eligibility standards. Some lenders may verify your credit, income, identity, bank account, or request additional information.

The website does not control whether a lender approves your request, the loan amount offered, rates, fees, repayment terms, funding timing, or any other loan conditions.

Review Any Offer Carefully

If a lender decides to present a loan offer, you can review the lender’s rates, fees, repayment schedule, due dates, renewal policies, and other terms before deciding whether to accept it. You are not required to accept any offer.

Loan amounts may range from $200 to $5,000, depending on the lender, state availability, and your individual circumstances. Rates, fees, terms, approval, and funding times vary by lender and by state.

Possible Funding

If you accept a loan offer and the lender approves and finalizes the loan, funds may be deposited into your bank account as fast as the same business day. Funding times vary by lender, your bank, the time of approval, and other factors.

Common Factors Lenders May Consider

Independent lenders and lending partners set their own requirements. Common factors may include whether you are at least 18 years old, have a valid checking or savings account, receive regular income, live in a state where loans are available, and provide information that can be verified by the lender.

Meeting common requirements does not guarantee approval. A lender may approve or decline a request based on its own criteria and applicable laws.

Responsible Borrowing

Short-term loans can be expensive financial products and should be used responsibly. They are not intended to solve long-term financial problems. Before accepting any loan offer, review the lender’s full terms and conditions, including rates, fees, repayment schedule, late-payment implications, renewal policies, and potential credit score impact.

Late or non-payment may result in additional fees, collection activity, and negative impact on your credit score. Renewal policies vary by lender and may involve additional costs.

Availability

This connecting service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Loan availability, amounts, rates, fees, terms, approval, and funding times vary by lender and by state.

Get Started

To request loan options, complete the online form and review any offer you may receive directly from a lender. The website is not responsible for the actions or inactions of any lender or lending partner.