How Our Personal Loan Request Works

1. Submit one request. Enter the amount from $500 to $5,000, the purpose, your income and contact details. It takes about five minutes and costs nothing.
2. Lenders review it. Lenders in our network review the request. Many use a soft credit check first, which does not affect your score.
3. Compare offers. If lenders make offers, compare APR, origination fee, amount received and total repaid. You can decline every offer.
4. Sign with the lender. Accept the offer that fits, finish the lender's application and e-sign. The lender may run a hard credit check at this point.
5. Receive funds and repay. Funds usually arrive in one to three business days. You repay the lender on the schedule in your agreement.

Times depend on the lender, documents and your bank. Submitting early on a business day helps.

Many lenders start with a soft check that does not affect your score. A hard inquiry usually happens only if you accept an offer. A few lenders may run a hard check earlier; their disclosures will say so.

Your request is shared with lenders in our network and service providers that help process it. We do not sell it to unrelated marketers. Our privacy policy covers what we collect and how to ask us to delete it.

If no lender makes an offer, nothing is owed and your credit is not marked. Try a smaller amount later, check our eligibility guide, or ask a credit union. You can also compare with Achieve Personal Loans or other lenders outside our network.

When you are ready, the request form takes about five minutes. Have your income details and bank account information on hand.