Fast Personal Loans with AI-Powered Matching

We work with lenders across the entire credit spectrum. While some lenders require scores of 720+, others approve borrowers with scores as low as 580. Our AI matches you with lenders whose approval criteria align with your credit profile, maximizing your chances regardless of your score. Even borrowers with fair or poor credit have approval options through our specialized lender network.

Our proprietary AI analyzes over 200 data points including your credit score, income, employment history, debt-to-income ratio, and even seasonal lending trends. Instead of randomly applying to lenders, our technology identifies which lenders are most likely to approve your specific profile. This results in a 73% higher approval rate compared to manual applications and helps you get better interest rates.

Interest rates typically range from 5.99% to 35.99% APR depending on your creditworthiness. Excellent credit (720+) typically qualifies for rates between 5.99%-10.99%. Good credit (660-719) sees rates of 10.99%-18.99%. Fair credit (600-659) ranges from 18.99%-28.99%. Lower credit scores may see rates up to 35.99%. Your actual rate depends on credit score, income, loan amount, term length, and lender policies.

Yes! Our network includes lenders who specialize in working with self-employed individuals, freelancers, gig workers, and those with irregular income. These lenders use alternative income verification methods such as bank statement analysis, tax returns, and business revenue documentation rather than traditional pay stubs. While documentation requirements may be higher, approval is definitely possible.

Funding timelines vary by lender. Some lenders offer same-day funding for approvals received before 12 PM ET. Most lenders provide next business day funding via direct deposit. A few lenders require 2-5 business days for ACH transfer. The fastest funding typically occurs with direct deposit to your checking account. Emergency situations may qualify for expedited processing with certain lenders.

Our service is 100% FREE for borrowers. We never charge application fees, matching fees, or hidden costs. We're compensated by lenders when we successfully connect borrowers, but this doesn't affect the rates or terms you receive. However, individual lenders may charge origination fees (typically 1%-8% of loan amount), late fees, or other charges. All fees are clearly disclosed before you accept any loan offer.

Initial matching requires only basic information. If you proceed with a lender, you'll typically need: government-issued photo ID (driver's license or passport), proof of income (recent pay stubs, tax returns, or bank statements), proof of address (utility bill or lease agreement), Social Security Number, and active checking account information. Self-employed borrowers may need additional business documentation. Most documents can be uploaded digitally.

Yes! Personal loans can improve your credit in several ways. They add installment loan diversity to your credit mix (10% of credit score). Using a loan for debt consolidation reduces credit card utilization (30% of score). Making on-time payments establishes positive payment history (35% of score). Many borrowers see credit score increases of 20-50 points within 6 months of taking a debt consolidation loan and making consistent payments.