Frequently asked questions

No. We're a free connecting service: you submit one request, and we attempt to match it with independent lenders and lending partners. Any loan is a contract between you and the lender.

Not with us. It's a request to be matched. If a lender accepts it, you complete the actual loan application and agreement on the lender's website, where all terms are disclosed before you sign.

Lenders and lending partners pay us when a request is delivered to them. Borrowers never pay us anything, and our compensation doesn't change the price of your loan — state law and the lender set that.

Lenders and lending partners in our network, so they can decide whether to make an offer. Multiple parties may receive your request — that's how matching works and it's covered in the consent you give before submitting. See Your Privacy Rights for the full data path.

Submitting the request itself doesn't touch your credit. Lenders who consider it may run checks — most short-term lenders use specialty bureaus (which generally don't affect your FICO score), though some may run traditional checks. The lender must disclose their practice before you accept a loan.

Often yes. Many network lenders focus on income and banking stability rather than FICO scores, which is why people with scores under 640 regularly receive offers. Nothing is guaranteed, and costs for lower-credit borrowers are typically higher.

You must be 18+, a US resident with a Social Security number, have a regular income source and an active checking account, and live in a state where the product is available. The form takes about 3 minutes.

Common reasons: your state prohibits the product, income below a lender's threshold, a very recently opened bank account, existing outstanding short-term loans, or negative records at specialty credit bureaus. We wrote a whole guide: 'Why your loan request was declined' on the blog.

$100 to $5,000 on this site. Under about $1,000 usually means a payday-style or small installment loan; larger amounts are installment territory with monthly payments. Your state may cap amounts lower than you'd like — check your state's page.

Most lenders fund by ACH direct deposit the next business day after you sign. Same-day is possible with some lenders when you finish early on a banking day — never guaranteed. See our honest same-day funding guide.

Payday-style pricing is a fee per $100 borrowed, commonly $10–$30 depending on state — roughly 400% APR on a two-week loan. Installment loans run long with APRs from about 36% to 400%+. Every lender must show you the finance charge and APR before you sign. See Rates & Fees for worked examples.

Most lenders allow early repayment; many short-term products charge no prepayment penalty, and paying early on an installment loan usually reduces total interest. Confirm in the loan agreement — the lender must state their prepayment policy.

We encrypt sensitive fields (SSN, bank numbers) with AES-256, transmit everything over TLS, mask sensitive data in our tools, and purge sensitive fields on a retention schedule. Full details in Your Privacy Rights.

Use the Data Deletion page. We delete everything we're not legally required to keep (consent and delivery records have retention requirements) and confirm when it's done.

Lenders and lending partners who received your request may contact you under the consent you gave. Ask any caller for their do-not-call list, unsubscribe from emails, and contact us to stop sharing going forward.

Real lenders never ask for upfront fees, gift cards, or wire transfers, and they disclose the finance charge and APR in writing. Check the lender's license with your state regulator (linked on every state page). When in doubt, read 'How to spot a loan scam in 60 seconds' on our blog.