How it works

How It Works is a fast and reliable online service where people who needs a personal loan can find a lender to provide them with funds they need. Our online forms are easy to fill out and only take a few minutes to get approved. While we are not lenders and do not assist in the decision making process, by completing our easy process you could find a lender in a matter of minutes. values your privacy and will submit information you have provided us only to the partners in our network. Although submitting these forms will not guarantee you a loan through we will never charge you any fees for our service. You can’t always expect the unexpected, so by filling out the request forms you could find a lender who may provide the financial relief you need until your next paycheck. What have you got to lose? Go

Fill a Request Form On Our Website.

This will only take 5-minutes, your information is kept safe and secure

Find a Lender

The information you provide helps lenders determine if you meet their requirements, the lender can give you a fast decision in order to provide the funds you need

Get Funded As Soon As The Next Business Day*

Once approved by the lender, your funds will be sent by the lender directly to your bank account

A Personal loan is a type of an installment loan, meaning that it is paid back over a set period of time, utilizing a suitable payment schedule. The payments are set up at a fixed and known amount (usually equal) and payable in multiple installments. Personal loans are an effective way to access a larger amount of cash which can be used for a wide range of purposes. With, you could qualify for up to $3,000.

Accessing a Personal loan online is quick and easy to do. It just takes a few minutes to fill out our online request form. The information you provide helps lenders determine if you meet their requirements and provide you with a fast decision about your request.

Bear in mind that you must:
    • Be a US citizen or permanent resident
    • You must be 18 years or older to request a loan
    • You must also have a steady income
    • Must have active checking account in good standing

Once a lender decides to work with you, we will automatically redirect you to the lender’s web site where you will be able to review and agree to the terms and conditions of the loan. In many cases, the lender will then contact you to confirm your personal information and finalize the loan (via telephone, email, text message, etc.) Responding in a timely manner will help ensure that funds are deposited as quickly as possible.

Read below for information regarding loan fees, terms, repayment and renewal policies:

What happens if I’m late paying back the loan? If you are approved by a lender and accept the terms and conditions of their loan offer, you are agreeing to pay that loan back in the amount of time expressed in the loan documents. Partial payment, non-payment, or late payment is likely to result in additional fees. If you refuse to repay the loan all together, it is likely that the lender will engage a collection company to try and recoup what you owe them (just like any lender would). Please don’t agree to a loan that you cannot repay. Renewal policies are different for every lender. As a convenience to you, some lenders may agree to alternative payment options. Some of these options may result in a renewed or “roll-over” loan that may have additional fees and may renew automatically unless you request otherwise. Please make sure to review your lender’s renewal policies, and make sure that your payment preferences are known to your lender. If you have questions or need more information on renewal policies, please contact your lender directly. While most short term lenders will not run a traditional credit check, it is important to know that in some cases credit checks, consumer credit reports and other personal data may be obtained by some lenders from Experian, Equifax, Trans Union or through alternative providers in order to make a decision on whether or not to offer you a loan. It is also important for you to remember that if you do not repay your loan on time, your delinquency may be reported to a credit bureau, which could negatively impact your credit score. As with any loan, it’s important to repay the loan on time or contact the lender to work out a payment plan. Please borrow responsibly!

What is the APR for the loan that I may get if I find a lender? First off, it’s important to understand what an APR is. APR or (Annual Percentage Rate) is meant to represent the interest rate and fees of a loan for an entire year. That said, the loan that you are likely to be offered by a lender is intended to be a short-term loan that is repaid in a matter of weeks, so using an APR to represent the fees can be misleading. However, since APR is a commonly used way of expressing the fees of other types of loans, such as mortgage loans, auto loans, and types of personal loans. Since is not a lender, we aren’t able to accurately represent the exact APR that your lender may offer; however, the typical representative APR range is somewhere between 261% and 1304% for a 14 day loan. Remember, you should pay your loan back on time to avoid fees and penalties. Make sure that you review the terms and conditions of the loan that is offered to you so that you don’t end up with an “annual” loan!

THE OPERATOR OF THIS WEB SITE IS NOT A LENDER , does not broker loans to lenders and does not make short term cash loans or credit decisions. It is not an agent, representative or broker of any lender and does not endorse any lender or charge you for any service or product. This Web Site does not constitute an offer or solicitation to lend. This site allows you to submit the information you provide to a lender. However, providing your information on this Web Site does not mean that a lender will be able to work with you or that you will be approved for a short term loan. Cash advances should only be used by you to solve immediate cash needs and should not be considered a long term solution. Not all lenders can provide up to $3,000. Cash transfer times may vary between lenders and may depend on your individual financial institution. For details, questions or concerns regarding your short term cash loan, please contact your lender directly. Lender services may not be available to residents of all states based on individual lender requirements. Availability: Residents of some states may not be eligible for a short term cash loan based upon lender requirements. Our company does not guarantee that completing an inquiry form will result in you being approved by a service provider or lender, being offered a loan product with satisfactory rates of terms, nor receiving a loan from a service provider or lender. The lender you are approved by may not offer the best possible terms and borrowers should always compare all available options before making any decisions. Any display of APR, loan amounts, interest or other loan details are only estimations. In reality these amounts will vary by lender and by borrower. Lending decisions are based on many factors, including but not limited to credit history, employment history, and loan repayment history. Please note that some lenders may perform credit checks as part of their credit transaction approval process. By using the website or services, you represent and warrant that you are at least 18 years old, a resident of the United States (but not a resident of Arkansas, Arizona, Georgia, Oregon, Virginia, West Virginia, New York or any other state where such short term loans small dollar loans are prohibited by law).

THE OPERATOR OF THIS WEB SITE DOES NOT pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information, you are giving lenders in our network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus such as Experian, Equifax and Trans Union and from alternative credit bureaus