Frequently Asked Questions

Our platform connects users with a wide network of trusted lenders, free of charge. Below are answers to common questions. For specific inquiries about your loan, please contact your lender directly.

What is a short-term loan?

Short-term loans are designed to meet immediate financial needs for a brief period.

Who qualifies for a personal loan?

To qualify, most lenders require that you:

• Have held a job for at least 90 days or have another stable income source.
• Be at least 18 years old and a U.S. citizen or permanent resident.
• Earn a minimum of $1,000 per month after taxes.
• Provide a valid email, home phone, and work phone number.

How much can I borrow?

Lenders typically offer loans between $1,000 and $50,000, based on factors like your location and applicable regulations.

How will I get the money?

Once approved and after you accept the loan terms, funds are typically transferred directly to your bank account, often by the next business day.

Can I get a loan with bad credit or a past bankruptcy?

Some lenders offer loans to individuals with less-than-perfect credit. If we can't match you with a lender for the requested amount, we'll try to find a short-term lender that better fits your profile.

How long does the process take?

Filling out the form takes only minutes, and you’ll often get responses within moments. Many borrowers get their money within 24 to 48 hours after approval.

Do I need a printer or fax machine?

While most lenders can access your documents online, some may request bank statements or pay stubs via fax or email. If you lack access to a printer or scanner, office service providers can help.

How much will a loan cost me?

Our platform is free to use. The specific costs of your loan will depend on the lender's terms, which will be clearly provided before you agree to the loan.

Can I apply for another loan if I already have one?

It’s possible, depending on your lender and state regulations. Inform your lender if you already have an existing loan before applying for another.

What are the repayment options?

Loan payments can typically be set up as automatic withdrawals from your bank account to avoid missing deadlines. Contact your lender if you need to discuss extensions or alternate payment arrangements.

What happens if I miss a payment?

Each lender has its own late payment policies, which will be outlined in your loan agreement. Late fees vary depending on state laws.

Is my personal information safe?

We use encryption and other security measures to protect your personal data. Please review our privacy policy for more details.