How It Works

This website is not a lender and does not make loans, approve loan requests, make credit decisions, set loan terms, or fund loans. We provide a connecting service that allows consumers to submit a loan request and access lenders or lending partners in a third-party network.

Short-term loans, including payday loans, can be expensive financial products and should be used responsibly. Before accepting any loan offer, carefully review the lender’s rates, fees, repayment terms, late-payment policies, renewal policies, and any potential impact on your credit score.

Submit Your Loan Request

You may get started by submitting your information online from a computer or mobile device. The request form is designed to collect details that lenders or lending partners may use to evaluate your request. Submitting a request does not guarantee that you will receive a loan offer.

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

If your request is sent to a lender or lending partner, that lender may review your information and decide whether to present a loan offer. Approval is not guaranteed. Loan availability, loan amounts, rates, fees, repayment terms, credit checks, documentation requirements, and funding times vary by lender and by state.

Some lenders may verify your credit, request additional information, or require documentation before making a decision. Requirements vary by lender and by your individual circumstances.

Review Any Offer Carefully

If a lender presents a loan offer, you are not required to accept it. The offer should include important terms and conditions, such as the loan amount, finance charges, repayment schedule, annual percentage rate, late-payment consequences, and renewal or rollover policies where applicable.

Only accept a loan offer if you understand the full cost of borrowing and believe you can repay the loan according to the lender’s terms. Payday loans and other short-term loans are not intended to be long-term financial solutions.

Funding After Acceptance

If you accept a lender’s offer, the lender may fund the loan according to its own procedures. A loan may be funded as fast as the same business day if approved by a lender, but funding times vary by lender, bank, state requirements, and other factors. This website does not fund loans and is not responsible for the actions or inactions of any lender.

Typical Lender Requirements

Independent lenders and lending partners have their own eligibility requirements. Common minimum requirements may include, but are not limited to:

• Being at least 18 years old;
• Having a valid checking or savings account;
• Having a regular source of income;
• Providing accurate contact and identification information;
• Meeting the lender’s state availability, verification, and underwriting requirements;
• Not being a regular or reserve member of the Army, Navy, Air Force, Marine Corps, Coast Guard, or Space Force serving on active duty, and not being a dependent of such a service member, where lender restrictions apply under federal law.

Meeting these general criteria does not guarantee approval. Each lender may consider different factors when reviewing a loan request.

Responsible Borrowing

Borrow only what you need and only if you believe you can repay the loan on time. Late or non-payment may result in additional fees, collection activity, and negative impact on your credit score. Renewal policies vary by lender and may involve additional costs.

If you are experiencing ongoing financial difficulty, consider alternatives such as contacting creditors, seeking help from a nonprofit credit counselor, asking about payment plans, or exploring other financial resources before requesting a short-term loan.

State Availability

This connecting service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Loan availability and terms vary by state and by lender.

Questions

For questions about this connecting service, you may contact us at [email protected]. For questions about a specific loan offer or repayment obligation, contact your lender directly.