How It Works

Rates, terms, and loan programs are subject to change without notice. The information provided here is for illustrative purposes only and does not constitute an offer or commitment to lend. Actual loan offers may vary based on credit profile, income, collateral, and other underwriting factors determined by the lender.

The Annual Percentage Rates (APRs), monthly payments, and loan costs shown are examples and may not be available in all states or for all borrowers. Loan approval and terms are subject to verification of the information provided by the borrower and acceptance by an independent lender.

This website is not a lender or broker. It provides a service to connect consumers with independent lenders who may offer loans based on their own criteria. We do not guarantee loan approval, rates, or terms. Submission of information does not constitute a loan application.

Not all consumers will qualify for the lowest rates or largest loan amounts. Eligibility depends on individual credit profile, income, and other factors. Loan amounts and available terms may vary by state and lender.

About Our Advertising

We’re committed to giving you clear, honest information so you can make confident financial choices. Our website is free to use — we don’t charge you to compare loan options or connect with lenders. To keep our service free, we may earn a commission when you choose to work with one of our lending partners. This compensation can affect where certain offers appear on our site, but it doesn’t change the quality or independence of the information we provide.

Requested Loan Amount Notice

When you apply for a loan, the amount you’re approved for might be different from what you initially requested. This can happen if the lender reviews your credit, income, and other factors and determines you qualify for a higher or lower amount. Final loan terms and amounts are always set by the lender, and they’ll share these details with you before you make any decisions.

HEADLINE Disclosure Statements

All Applications Welcome

Our platform is open to all applicants regardless of credit history. By submitting a request, you authorize us to connect you with our network of lenders or financial service providers who may evaluate your request based on their own criteria.

Soft Credit Inquiry Only

We do not perform hard credit checks. Any credit review initiated through our platform involves only a soft inquiry, which does not impact your credit score. Please note, once connected, individual lenders or providers may perform their own assessments, which could include a hard pull—either before presenting an offer or upon your acceptance.

Understanding Credit Inquiries

According to Fair Isaac Corporation (FICO), multiple credit inquiries related to auto or mortgage loans within a short timeframe (typically 14 to 30 days) are treated as a single inquiry. This does not apply to personal loans or credit card applications, where each inquiry may be counted separately.

Credit History Not a Barrier

All credit types are considered. Your request may be reviewed by lenders and financial providers who accept applications from individuals with a wide range of credit profiles.

Funds as Soon as Same Day

If approved, you may receive funds as quickly as the same business day. Timing depends on several factors including the lender's funding process, your bank’s deposit policies, and whether you have an active account or a compatible debit card on file.

Fast Approval Decisions

Some lenders in our network may issue a decision within minutes. Funding timelines may still vary based on verification requirements and your financial institution’s ability to process deposits.

Expedited Transfer Options

In certain cases, expedited funding is possible. Eligibility depends on lender capabilities, your bank’s processing speed, and whether you meet pre-disbursement criteria such as having an existing debit card issued by the lender.