How It Works

This website provides an online connecting service for consumers interested in requesting short-term loan options. This website is not a lender, does not make credit decisions, and does not issue or fund loans.

When you submit a loan request, your information may be shared with lenders or lending partners in the network. A lender may review your information and decide whether to present you with a loan offer. Submitting a request does not guarantee approval, a particular loan amount, or specific rates or terms.

Submit a Loan Request

Complete the online request form with accurate personal, contact, income, employment, and banking information. The information you provide may be used by lenders to evaluate your request, verify your identity, and determine whether they may be able to offer you a loan.

By submitting your information, you confirm that you have read, understood, and agree to the Privacy Policy, Terms of Use, E-Consent, Responsible Lending, and Marketing Practices.

Lender Review

Your request may be presented to one or more lenders or lending partners. Each lender uses its own eligibility criteria, verification procedures, and credit review process. Some lenders may verify your credit history, income, employment, bank account details, or other information.

A lender may request additional documents or information before making a decision. Requirements vary by lender, and approval is not guaranteed. This website does not control or participate in a lender’s credit decision.

Review a Loan Offer

If a lender decides to offer you a loan, the lender should provide the proposed loan amount, annual percentage rate, finance charges, fees, payment schedule, repayment terms, and other important conditions.

Carefully review the lender’s full terms and conditions before accepting an offer. Consider the total repayment amount, payment due dates, late-payment consequences, renewal policies, electronic withdrawal terms, and any potential effect on your credit history or credit score.

You are not required to accept a loan offer. You should decline an offer if you do not understand its terms, cannot afford the required payments, or believe the loan is not appropriate for your financial situation.

Funding

If you accept an offer and complete the lender’s requirements, the lender will determine when and how the loan proceeds are delivered. A loan may be funded as fast as the same business day in some circumstances, but funding times vary based on the lender, verification requirements, bank processing schedules, weekends, holidays, and other factors.

This website does not fund loans and cannot guarantee that funds will be available by a particular date or time.

Typical Eligibility Requirements

Each lender establishes its own requirements. Common eligibility considerations may include being at least 18 years old, having a regular source of income, maintaining an active checking or savings account, providing valid contact information, and residing in a state where the lender offers loans.

Meeting general eligibility requirements does not guarantee approval. A lender may use additional or different criteria when reviewing your request.

Credit and Verification

Different lenders may consider different credit profiles. Credit history does not automatically prevent access to loan options, but some lenders may obtain a consumer credit report or use other databases to verify identity, assess creditworthiness, or review previous borrowing activity.

Additional documentation, electronic records, telephone verification, or faxed information may be required by some lenders. All verification requirements are determined by the lender.

Rates, Fees, and Loan Terms

Loan availability, amounts, annual percentage rates, finance charges, fees, repayment periods, and payment schedules vary by lender, state, and individual circumstances. This website does not set or control the terms of any loan offer.

Review all rates, fees, repayment terms, late-payment consequences, renewal policies, and potential credit effects before accepting an offer.

Responsible Borrowing

Short-term loans can be expensive financial products and should be used responsibly. They are generally intended to address temporary financial needs and should not be considered a long-term solution to ongoing financial difficulties.

Before accepting a loan, consider whether you can make every required payment while continuing to cover housing, food, utilities, transportation, medical expenses, and other essential costs. You may also wish to consider lower-cost alternatives that may be available to you.

Late Payments and Renewals

Late or missed payments may result in additional fees, collection activity, and a negative effect on your credit history or credit score. Contact your lender directly if you believe you may be unable to make a scheduled payment.

Renewal, extension, and refinancing policies vary by lender and may involve additional costs. Carefully review the lender’s policies before agreeing to any renewal or extension.

Important Service Information

This website is not a lender and does not make credit decisions. It provides a connecting service only and is not responsible for the actions or inactions of any lender or lending partner.

Loan approval, availability, amounts, rates, fees, repayment terms, verification requirements, and funding times vary by lender and by state. The service is not available to residents of Arkansas, New York, Vermont, or West Virginia.

For questions about a specific loan offer, payment, fee, withdrawal, or loan agreement, contact the lender identified in your loan documents. For questions about the connecting service, contact [email protected].