Frequently Asked Questions

The security of your information is very important to us. We take reasonable security measures to protect your personal information. While we cannot guarantee the security of your information we strive to provide the best security we can and have designed our systems with that in mind. Please see our Privacy Policy which appears at the bottom of our website, for information about the use and disclosure of your personal information.

Based on our preliminary evaluation of the information that you provide to us, our loan matching service may direct you to different types of participating lenders including peer to peer lenders and traditional lenders. Lenders you are matched with will determine whether you are actually approved for the loan you seek.

Our form is easy to fill out. We analyze the information that you provide to us and if you meet certain requirements and depending on our network of participating lenders, we then match you with the participating lender or lenders who we believe are most likely to provide you with a loan (if you have bad credit, for example) or most likely to provide you a loan with a better rate (if you have very good credit, for example) based upon our assessment of your information. Not all lenders operate in all states, and this may affect the terms and interest rate your are provided. When you fill out our form, it is extremely important that you provide us with information that is accurate and current so that we can accurately match you with a participating lender or lenders. Your credit score can fluctuate daily, so please make sure that you provide us with a current score. Our recommendation is to provide a score that is current as of 30 days. Our process saves you time because we do not require you to fill out separate forms for each lender in order to start the process – instead, if we match you with a lender or lenders and you chose to move forward, you will then fill out any additional information required by the lender that you select.

We at, do not offer loans. Instead, we attempt to match you with participating lenders who offer loans. These lenders can offer unsecured or secured personal loans, including auto loans, loans after bankruptcy, medical loans, vacation loans, motorcycle loans, and loans for other needs. Based on certain criteria - based on the information you provide, we may direct you to different types of participating lenders including peer to peer lenders and traditional lenders.

While we are able to match many of our loan customers with one or more participating lenders based on the information that they provide to us, whether or not you ultimately qualify for a loan will depend on the specific credit requirements of each participating lender. We at do not make any lending decisions. Based on our assessment of your information, our loan matching service may direct you to different types of participating lenders including peer to peer lenders and traditional lenders. We are often able to match customers with lower credit scores with certain types of lenders if the customers meet certain basic requirements. Such basic requirements may include being continuously employed for the past 90 days, being a United States citizen, being over 18 years old, having a monthly income of at least $1,000 and having a valid home phone and e-mail address.

Although we do not have access to any specific data that a participating lender may give you, we are able to provide you with an APR range that we have collected from our four types of participating lenders.

Peer to Peer Lenders
When you are matched with one of our Peer to Peer Lenders, you can expect your APR to range from 6.59% to 35.84%.

Traditional Lenders
When you are matched with one of our traditional lenders, you can expect your APR to range from 6.50% to 35.99%.

Short-Term Lenders
When you are matched with one of our short-term lenders, you can expect your APR to range from 199.44% to over 700%.

Late fees and administrative fees may apply to your loan. Before signing your loan agreement, make sure you review and agree to all of the terms.

We match customers with participating lenders who offer loans of up to $25,000 to customers who meet those lenders’ specific credit requirements. Start now to find out the maximum amount any participating lenders with whom you are matched might offer to you. Our process is secure, easy, and fast!

Once you are approved, the money is usually electronically deposited into your account. Sometimes, you may receive the check in the mail, though this is rare.

The funding time varies from loan to loan. Some may be funded within minutes and others may take up to 3 days. Most of our customers receive their money on the next business day after they have been approved for a loan. Once your loan has been approved, make sure that you keep in contact with your lender. The lender can answer your questions about where you are in the funding process.

Our services provided by are completely free to you. We are paid directly by our participating lenders and through other offers on our website, including the offer to participate in a 7 day trial for credit monitoring for a cost of $1. This is just one example of how we might benefit from you using our website. Once you are approved for a loan, the approving lender will notify you of the rate and of any fees and costs associated with the loan you are being offered.

Yes! While not all customers qualify, some of our participating lenders offer programs that do not require a credit check, so even if you have less than perfect credit, you may still qualify for certain types of loans. Generally, if you have really bad credit, a credit score less than 500, we will be unable to match you to a traditional or peer to peer lender. If you do obtain a loan, make sure to pay on time and to follow the rules that your lender provides to you – your failure to do so may harm your credit since the information could be given to the credit reporting agencies.

Although we would love to help everyone who needs a loan, the decision about whether or not to provide you with a loan is made by our participating lenders based on their decision making process. No lending decision is made by For example, many lenders require a form of collateral to secure a loan, such as a residence, an automobile, regular wages, or other cash flow. As a result, there are certain customers who cannot help. Our lenders are all based in the United States and will only lend to U.S.-based customers . If you are not currently located in the US, we will not be able to help you. Generally, we are unable to help customers who are unemployed, under 18 years of age, have a monthly income of less than $1,000 and who do not have a valid home phone or email address.

If you already have a loan, be sure to identify it on the form under the total debt section. It is very important that our participating lenders receive all necessary information and that the information that you provide is as accurate as possible. Our lenders base their financing decisions on the information that you provide through your inquiry. Providing false information may keep you from receiving funding.

Some, but not all, of our participating lenders can set up automatic loan payments for you. These payments would come directly from your bank account. The benefit of an automatic payment arrangement is that, as long as the money to cover the payment is in your bank account, your payment will be made whether or not you remember to make it, which may help to keep you from defaulting and from incurring late payment fees, depending on the terms and conditions established by your lender.

If you can't pay your loan back, the lender likely will not forgive your loan, but some of our participating lenders may work with you to modify the payment terms. How your loan is treated depends entirely on the terms and conditions established by your lender. Make sure that you contact your lender before you are late on any payment so that they can work with you to reach a new agreement before your payment is due. You may need to use the lender again, so it is in your interest to remain in good standing with them.

We ask you to tell us your credit score because we do not run a credit check on you. A credit check or obtaining a credit report, may affect your credit score and is a specific request made to one (or all) of the 3 major credit bureaus. We at do not pull your credit report. By submitting your information, you are giving express authorization for our participating lenders to pull your credit in order to make a decision on your loan.