The operator of this website offers a FREE matching service for financial & lifestyle products and services. Users create one simple online profile and then submit their profile to our search engine. We then connect you with multiple lenders and credit providers in order to receive their offers of credit. We do all the heavy lifting for you, and it's much easier than doing it on your own. We never charge a fee to our customers for our matching service. Our program is designed to match the right products and services based on information you provide and deliver them to you to accept or decline as you feel based on matching your needs. We strive to offer services to individuals and families even if they are refused similar services elsewhere.

We are different in a very distinct way. Our service is both comprehensive and ongoing. Other sites might just have one lender or one product. We have a huge network of lenders that offer all kinds of credit products, and we are constantly adding new lenders into our network. Even if you don't qualify for a loan product today, the addition of new lenders will increase your chances of being approved in the future. You may use our service as many times as you like, 24 hours a day, 7 days a week.

Your first step is to complete your online profile by answering a few easy questions and then submit it from our web site. Then we will attempt to connect you to a lender within our network online within seconds. Once you are matched with a lender, you will have ample opportunity to read all about the terms of your loan offer. Then you may be a required to electronically sign and agree to the terms of the loan. However, there is no obligation to accept the loan. If you are not satisfied with the terms of the loan, or if you don't understand all of the terms of your loan, simply do not sign it, and apply again to find a different lender.

Typically the proceeds of your loan will be electronically deposited into your bank account by the lender the next business day. You will usually have the ability to choose the payment option that works best for you. All payments are processed by your lender by electronic transfer from your bank account so there is no additional paperwork and it is easy to repay your loan in a timely manner.

The minimum requirements for most personal loans may vary from lender to lender, but usually these are the basic requirements to qualify for a short term loan:

  • You must be at least 18 years of age
  • Have a job (or other regular source of income)
  • You must have an active open bank account, usually with your paycheck being direct deposited

To be approved for a loan, you need to meet the requirements of the specific lender with whom you are connected. The lender will evaluate your profile and determine whether you are eligible based on their own set of approval criteria. Factors such as income, direct deposit of your pay, past loan history along with your state of residence, may all affect the approval of your loan. If your profile meets their qualifications and is accepted by a lender, your assigned lender may contact you directly and ask for additional information in order to approve the loan. Most lenders utilize proprietary criteria to evaluate applicants and will approve your loan when your information matches their criteria.

In order to increase your chances of getting matched with a lender and ultimately approved for a loan, please be sure to fill out your profile with honest, verifiable information. For example, entering a cell phone number instead of a home phone makes it more difficult to verify your information and many lenders will not accept applications that cannot be verified. We do our best to find a lender for you, but unfortunately there's no guarantee that your request will be accepted.

Installment loans are loans that the borrower usually repays in several, equal installment payments. They are also often longer term loans that give you more time to pay back and often have lower interest rates and fees. Installment loans often require better credit to qualify for, but not always.

A short term personal loan is a small unsecured loan, usually for $100 to $1,000, which is designed to meet your financial needs for a shorter period of time, sometimes just until your next payday. Essentially, you are borrowing funds for the advanced loan amount, plus a fee, to be held until you receive your next paycheck. Short term loans can get you through your financial crisis until your next scheduled payday, but they should not be used for long term financial planning.

No one can guarantee that credit providers will offer credit to you. Your ability to obtain credit and credit related products and services is based on your individual circumstances. Any time you use our free matching service, we will attempt to match you with providers of credit products and services that meet your particular needs.

Often times, we can help! Because we have access to multiple lenders with multiple products, we are often able to assist you even if you have been refused elsewhere. You are welcome to try as often as you like to get matched with a lender that meets your needs.

Absolutely! We maintain strict processes to ensure the security of customer information. All of the personal information submitted is transmitted using Secure Socket Layer technology (SSL) and no sensitive information is ever stored on our servers after your live session.

We are not a lender, so we are not able to provide or even advertise the actual terms, rates, APRs, or fees associated with the loan you may receive. The cost of the loan and the APR depends on the lender you are matched with, the specific product offered from them, and your specific circumstances. This website does not charge a fee to consumers for using our 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. When we match you with a lender, we will connect you to their site, where the unique terms of your loan will be disclosed to you. At this point, you have NOT YET accepted the loan. Please review the information carefully and make sure you understand how much money you will receive and how much you are agreeing to payback. If, once the terms are disclosed, they are not acceptable to you or you do not understand the terms as they have been presented to you, do not continue or agree to the terms and do not electronically sign the application. You are under NO OBLIGATION to accept the terms for any reason.

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 loans and anywhere from 9 to 49% for longer term installment loans but remember this amount will vary from offer to offer so make sure you read what you are being offered. It's important that you read and understand what you are obligating yourself to. 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.

Your loan terms will be dictated by your lender. They vary from lender to lender, and from product to product. For short term loans, they are often due quickly and sometimes even on your next pay date. Longer term installment loans are usually paid on a monthly basis on a date that you and your lender predetermine. Often, most lenders will allow you to extend your loan by paying a fee, but you must work out the terms with your lender.

Once matched with a lender, you will be directed to your lenders loan documents. Here you will find specific instructions as to what happens when your loan is due. You typically have the following options:

  • Do nothing and your loan will auto-finance
  • Pay off the loan in full
  • Renew the loan and pay interest and fees only
  • Renew the loan and pay interest and part of the principal

Please contact your lender directly if you have repayment questions

The loan proceeds are wired directly into your bank account by your lender. Our website works with a network of lenders, some of which can have money in your bank account in as soon as the next business day. If you are searching on a weekend or a holiday, the money will usually be sent to you by your lender on the next business day.

The following bank holidays are observed by Federal Banks and their branches:

  • New Years Day
  • Martin Luther King, Jr. Day
  • Presidents Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving Day
  • Christmas Day

For holidays that fall on Saturday, Federal Reserve Banks and branches are open the preceding Friday. For holidays that fall on Sunday, Federal Reserve Banks and branches are closed the following Monday.

If your loan is approved on a weekend or bank holiday, typically your funds will be sent the next business day. You should contact the lender directly to confirm when the money will be deposited and the ACH department of your bank to verify that the funds have been credited to your account.

Renewal policies are determined by the lender, and not by us. As such, they are different for every lender. Please make sure to review your lender's renewal policies and make sure your payment preferences are known to your lender. As a convenience, some lenders may agree to alternative payment options. Some options may result in a renewed loan and additional loan fees.

When you accept the terms and conditions of the loan presented to you by the lender you are matched with, you are agreeing to pay the loan back in full and on time according to the terms of your agreement. Failure to comply fully, by either partial payment, late payment or non-payment of your loan may result in legal actions, additional fees, as well as reporting of the non-payment to a consumer reporting agency. Many lenders are willing to work with you if you should need some help. If you have questions or need more information, please call your lender directly. Do not avoid speaking with your lender as they can't help you if you don't reach out and communicate with them.

This website works with a vast network of loan lenders; however, we cannot guarantee that we can find a lender to match your criteria. If you are not matched with a lender, here are a few suggestions to improve your chances if you chose to re-apply:

  • Time of Day: Many lenders do not accept requests outside of normal business hours. You may want to try again during regular business hours - Monday through Friday 8 AM to 5 PM EST.
  • Direct Deposit: Many lenders favor customers whose paycheck is directly deposited into their bank account by their employers. If you do not have direct deposit, please ask your employer to enroll you in their direct deposit program and then come back and re-apply.
  • Outstanding Loans: Many lenders will not issue new loans if you have too many current loans outstanding. Once you have paid off your other loans, come back and re-apply.

Great! You can go to our form and fill out your personal profile today! Then simply hit the submit button and you will be connected in minutes.