How It Works

This website provides a connecting service for consumers who want to request short-term loan options from lenders or lending partners in a network. This website is not a lender, does not make credit decisions, does not set loan terms, and does not fund loans.

The process is designed to help you submit a loan request online. If your request is connected with a lender or lending partner, that lender may review your information and decide whether to provide a loan offer. Approval is not guaranteed.

Submit a Loan Request

You can begin by providing basic information about yourself, your income, and your banking details. This information helps lenders or lending partners determine whether they may be able to offer you a loan.

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 connected with a lender or lending partner, that lender may review your information according to its own policies. Each lender has its own approval standards, verification process, rates, fees, repayment terms, and funding procedures.

Some lenders may verify your credit, review your income, or request additional information before making a decision. Requirements vary by lender and by state.

Reviewing a Loan Offer

If a lender chooses to provide a loan offer, you will have the opportunity to review the lender’s terms and conditions before deciding whether to accept. You are not required to accept any offer.

Before accepting a loan offer, carefully review the loan amount, rates, fees, repayment schedule, renewal policy, late-payment implications, and any other terms provided by the lender. Short-term loans can be expensive and should be used responsibly.

Funding

If you accept a loan offer and the lender approves and processes your loan, funds may be deposited into your bank account as fast as the same business day. Funding times vary by lender, your bank, the time of approval, and other factors.

This website does not control the lender’s approval decision, funding timeline, loan amount, rates, fees, or repayment terms.

Typical Minimum Requirements

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

• Being at least 18 years old;
• Having a valid checking or savings account;
• Receiving regular income;
• Providing accurate contact, income, and banking information;
• Meeting the lender’s state availability and eligibility requirements;
• Not being an active-duty member of the military or a dependent of an active-duty military member, depending on lender requirements and applicable law.

Availability

This service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Loan availability, amounts, rates, fees, repayment terms, approval, and funding times vary by lender and by state.

Responsible Borrowing

Payday loans and other short-term loans are expensive financial products and are not intended to be long-term financial solutions. Only request a loan amount you believe you can repay according to the lender’s terms.

Late or non-payment may result in additional fees, collection activity, and a negative impact on your credit score. Renewal policies vary by lender and may involve additional costs. This website is not responsible for the actions or inactions of any lender or lending partner.