This website is dedicated to matching you with one of several lenders in our network. We are your ongoing partner in the pursuit of financial products and services that make your life better. Our matching service finds both short term and longer term installment loans for you. You only have to create one simple online profile and then submit your profile, and we search our entire network in your behalf.

It is important to know that not all credit providers operate in all states or accept all types of credit. Not all lenders can provide the advertised amount on this site. Each lender is different, and uses different underwriting methods to determine who qualifies for their products. Some lenders require a credit report to make their credit decision, while others do not, so we ask you to personally rate your own credit. Here is a brief description of our credit rating system based on your FICO score.

Installment loans are loans to consumers that are repaid to the lender over time with a set number of scheduled payments, or installments. The term, or length of the loan, may be as little as a few months and as long as 30 or 40 years. A home mortgage, for example, is one common type of installment loan.

Installment loans are usually associated with traditional consumer loans that are repaid over time by regular payments of principal and interest. When being offered a loan, each lender is required to provide you, the consumer, with all costs associated to be expressed as an annual percentage rate of interest (APR). This information will include the identity of the creditor, the amount financed, the itemization of amount financed, the finance charge, the annual percentage rate, your payment schedule, and your total number of payments. Your interest rate will vary depending upon which product you accept from which lender -- Currently this range is anywhere from 6% up to 36% APR on installment loans ~ but check with your individual lender and what they are offering you, as this fluctuates with market conditions and your credit profile. In addition, the Federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of color, race, religion, sex, marital status, and age.

Typically, installment lenders will be looking for stronger credit customers for their approval process because the interest rates are generally lower and the repayment terms are generally spaced longer out than a typical short term cash loan or a payday loan.

A short term personal loan typically has more liberal underwriting standards than an installment loan because lenders have less risk when they loan consumers money for a shorter period of time. Generally speaking, most short term lenders require the consumer to be 18 and over, have a steady source of income, and direct deposit be set up on their bank account in order to transfer funds and payments - but specific lender requirements depend on the individual lender. Typically these short-term cash loans are from $100 - $1,000 and come without a security deposit, credit checks or complex paperwork.

The information provided on your online loan profile determines the amount you can borrow and the loan terms based on the lenders underwriting.

If approved, lenders will often wire up to $1000 into the borrower's checking or savings account. At some future date (often the date the borrower receives their next paycheck) the lender will debit some amount (either the full amount or just the loan fee, as determined by your loan agreement).

In order to be qualified by a lender, a borrower provides basic information such as: their name, address, phone number and email address. Additional questions such as their employment and bank details help lenders determine how much someone can borrow. Private information such as the borrower's birth date and social security number is required to comply with the US Patriot Act.

This website does not charge a fee to consumers for using our FREE matching service. Once you have been matched and approved by your lender, you will be presented with your lender's terms, which you should review carefully. You will only be charged a fee if you accept the loan offered by your lender. Your loan terms, including fees and repayment terms, vary from lender to lender. You are under no obligation to accept their terms, and may accept or decline the loan at that time.

First you create your profile by answering a few basic questions about yourself on our website. Once you click the submit button we will show your profile to multiple lenders and match you with the best offer for your situation. Each lender has their own underwriting criteria, and they will then determine if you match their lending criteria. This approval process takes only a few seconds. If approved, you will be presented with the lender's terms and conditions. Each lender is required to provide you, the consumer, with all costs associated to be expressed as an annual percentage rate of interest (APR). This information will include the identity of the creditor, the amount financed, the itemization of amount financed, the finance charge, the annual percentage rate, your payment schedule, and your total number of payments. Your interest rate will vary depending upon which product you select from which lender -- Currently this range is anywhere from 20% up to 1200% APR for short term personal loans. In addition, the Federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of color, race, religion, sex, marital status, and age. Once you read about your specific APR and terms, you can decide to accept or decline the loan.

Once the loan is processed by the lender, the cash will be wired to your bank account according to the lenders terms. Please be aware that cash transfer times vary from lender to lender and transfer times may also depend on your financial institution. Generally speaking, with most lenders you receive your funds in as soon as 1 business day.

Often times, short term lenders typically do no credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. For this reason, whether you have bad credit or even bankruptcy, you are often still eligible for a short term personal loan. Participating lenders may, among other things, verify your social security number and review your information against national databases (such as Teletrack, DP Bureau or DataX) that track consumer transactions with lending institutions.

Loan approval is determined by the strength of the information you provide when creating your profile. While most borrowers receive their funds without needing to fax in any additional documentation, faxing may be required in some circumstances.