How it works, in plain words
We are the form, not the lender. Here is exactly what happens to a request after you press Continue.
1. You tell us about yourself
Six short screens, about four minutes. Who you are, where you live, what you earn and when you're paid, the bank account a loan would go into, and your driver's license number. Each sensitive question says why it's asked. Nothing is saved on this site; the form travels over an encrypted connection straight to the lender network when you press Send.
2. Lenders review it
Your request is shown to lenders and lending partners in the network, who pay us for the introduction. They look at more than a credit score: income, pay dates, banking history and the amount you asked for all count. A lender may check your credit with a bureau or another data provider, and that can affect your score. This usually takes seconds to a few minutes.
3. You see the terms before anything happens
If a lender wants to work with you, you're taken to that lender's own site to see its offer in writing: the amount, the APR, the number and size of payments, the dates, and any fees. Federal law requires those disclosures before you sign. Read the total you would repay, not just the payment. If it doesn't work for you, close the page. Nothing has been borrowed and you owe nothing.
4. You decide, and money moves
If you accept, the lender sends the money to the bank account you gave, usually by the next business day. From then on the loan is between you and that lender: payments, questions and problems go to them, and their contact details are on the agreement.
If no lender makes an offer
That happens often, and it isn't a judgment of you. We'll say so plainly and point you to other options: payment plans with the biller, local help with rent and utilities, credit-union small loans, and nonprofit counseling. Lender criteria change, so a request a few weeks later can get a different answer.
What it costs
Sending a request is free, always. The cost of a loan is set entirely by the lender, and short-term loans are expensive compared with a bank or credit union. See worked examples of what the rate does to the bill.