Frequently Asked Questions

Short-term personal loans go by various names but share a common purpose: providing temporary financial relief when you need access to cash quickly. They are not designed as long-term financial solutions.

Most lenders in our network require you to: (1) have been employed in your current role for at least 90 days or have a consistent income; (2) be 18 or older and a US citizen or permanent resident; (3) earn approximately $1,000 per month after taxes; and (4) have valid email and phone contact information.

Loan amounts depend on factors like your state of residence and each lender's own policies. Many lenders in our network offer amounts ranging from $100 to $5,000. Not all amounts are available in all states.

Once you accept a loan offer and your lender finalizes the agreement, funds are deposited directly into the bank account you provided — typically as early as the next business day.

Personal loans are generally available to applicants with a range of credit histories, though approval depends on each lender's individual criteria. Our network also includes lenders who specialize in short-term consumer loans for those who may not qualify for traditional personal loans.

Completing our online form usually takes just a few minutes. We begin matching you with lenders immediately. You can typically expect a response within minutes, and funding often occurs within 24–48 hours of accepting an offer.

Many lenders in our network allow fully digital verification, eliminating the need to fax documents. In some cases, a lender may request a copy of a pay stub or bank statement — which can often be emailed or scanned. If you need a scanner, FedEx Office locations offer this service.

Our marketplace is completely free to use. Your lender will disclose all applicable rates, fees, and terms before you agree to anything. We strongly advise reviewing those details carefully before accepting any offer.

This varies by state law and your lender's policies. If you currently have an outstanding loan, disclose this to any new lender before accepting an additional offer.

If you opt for ACH automatic payments, your lender will withdraw repayment amounts directly from your bank account on the scheduled due dates. If you need an extension, contact your lender in advance — additional fees may apply.

Late payment fees and policies differ between lenders and may be regulated by your state. Review your loan agreement for details. Missing payments can affect your credit score, so contact your lender immediately if you anticipate a problem.

We use advanced encryption technology to keep your information secure during transmission and storage. Your data is shared only with lenders in our network for the purpose of matching you with a loan offer. Review our Privacy Policy for full details.

You may submit a new inquiry at any time, subject to state restrictions. If you carry an existing outstanding loan, inform your new prospective lender before accepting any new offer.

Rollover and extension availability depends on your lender's policies and state law. Some states permit them; others do not. Contact your lender before any payment is due if you think you may need an extension.

If repayment becomes impossible, you risk defaulting on the loan. Defaults and missed payments can harm your credit rating and limit future borrowing. Don't wait — speak to your lender before you miss a payment to explore available options.