Finish Your Loan Request

Submitting the form takes about two minutes, and it costs nothing at any stage. Here is what happens next.

First, the network runs a soft check on the details you provide. A soft check does not affect your credit score, and it is how the matching engine decides which participating lenders can reasonably serve you. If there is a fit, you receive written offers, each with its own amount, term, and cost of credit laid out. You owe nothing for reading them, and you can decline every one of them.

Have a few things within reach: the email address you actually check, your monthly income and its source, details for an active checking account that can receive an ACH deposit, and a general sense of your state ID information. Offers usually arrive quickly, and funding after acceptance typically lands the next business day.

One regional note. If you live in Maryland, Pennsylvania, or Washington DC, no licensed storefront product will appear in your results, because those jurisdictions do not license one; what the network underwrites there is income-based installment credit and sovereign tribal offers, both clearly labeled. Residents of Virginia, Illinois, and Delaware will see licensed routes priced first, alongside any sovereign alternatives.

Our promise is simple: this site never charges you a fee, and it never sells your request to the highest bidder. It routes it, in writing, to lenders who can price it.