How It Works
From one free request to money in your account, here is exactly what happens, who does what, and where you stay in control.
What are the five steps?
The process has five steps: you send one request, lenders in our network review it, you compare any offers, you accept one or walk away, and you repay the lender directly under the agreement you signed.
- 1
Send one request
Fill in the secure form with the amount you need ($500 to $5,000), the purpose, your income and contact details. It takes about five minutes and costs nothing.
- 2
Lenders review it
Your request goes to lenders and partners in our network that consider fair and low credit. Each one decides independently whether to make an offer.
- 3
Compare any offers
Offers show the APR, monthly payment, number of payments, fees and total of payments. Compare at least two if you can.
- 4
Accept or walk away
If an offer fits, accept it and finish the lender's verification. If none fits, decline them all; there is no obligation.
- 5
Repay the lender
You repay the lender directly in fixed installments under the agreement you signed. We are not part of the loan.
What happens to your request after you send it?
After you submit the form, your details are passed securely to lenders and partners in our network whose criteria may fit your amount, state and income, and each one decides on its own whether to make an offer.
Lenders may run a soft credit check to review a request, which does not affect your score. A hard inquiry usually happens only when you accept an offer and complete that lender's full application.
If a lender makes an offer, you may see it on screen or be contacted by the lender by phone, email or text. Read the full terms before agreeing to anything.
A lender that decides not to make an offer simply does not follow up, and a request that goes unanswered is not reported to the credit bureaus. If no offer arrives, our eligibility guide explains the most common reasons and what to change before you try again.
What stays in your control?
You decide whether to accept any offer, which lender to choose, how much to borrow within the offer, and whether to opt out of marketing messages; submitting a request never obliges you to take a loan.
You can decline every offer at no cost. You can also ask a lender to explain any term, fee or payment before you sign, and you can compare their numbers with our personal loan calculator and rates guide.
What does it cost to use the service?
Using the service is free to you; we are paid by lenders and partners in our network, and any loan you accept carries only the interest and fees the lender discloses in its agreement.
Be wary of anyone who asks you to pay a fee to receive a loan, especially by gift card, wire or cryptocurrency. Legitimate lenders take any origination fee from the loan itself and disclose it before you sign. Our advertiser disclosure explains how we are paid.
How long does each step take?
The request takes about five minutes, lender responses often arrive within minutes, verification can take from a few minutes to a business day, and funds are commonly deposited by the next business day after you accept.
| Step | Typical time |
|---|---|
| Fill in the request | About 5 minutes |
| Lender review | Minutes to a few hours |
| Verification | Minutes to one business day |
| Funding after acceptance | Often the next business day |
Weekends, holidays and missing documents add time. Having your ID, income details and bank information ready keeps things moving.
What happens after you take a loan?
After funding, your relationship is with the lender: you make payments to it on the schedule in your agreement, contact it about due dates or hardship, and receive statements and payoff quotes from it, not from us.
We do not service loans or collect payments. If you have trouble with a lender you met through our network, contact the lender first, then let us know through our contact page. You can also file a complaint with the CFPB or your state regulator.
Ready to see what lenders can offer?
One short request reaches lenders in our network. Free to use, no obligation to accept an offer, and bad credit is considered.
Start my request