United States program
Review 2025 loan regulations, rate benchmarks, and lender availability across all 50 states. Jump directly into detailed state and city playbooks, or speak with our compliance-guided loan experts for tailored recommendations.
Compare rate caps, maximum loan amounts, and compliance guidelines in every state.
πAccess localized lender mixes, cost-of-living adjustments, and borrower protections in 300+ metro areas.
πReview TCPA consent language, state disclosures, and audit-ready documentation.
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Borrower protections
We operate as a licensed lead generator. Review the information below to understand how we match you with lenders, what they evaluate, and how to contact us if you have questions.
Final APRs, fees, and repayment terms are provided directly by lenders after you review and sign their agreements. Make sure to read the Truth in Lending Act (TILA) disclosures supplied by each lender before accepting funds.
Get a 2-minute pre-qualification and rate check with our advanced AI platform. Compare offers from 100+ U.S. lenders through a soft credit pull that has no impact on your score.
Whether you need a debt consolidation loan, emergency cash, or home improvement financing, our AI technology matches you with the best lenders for your credit profile. Trusted by over 2 million borrowers nationwide since 2020.[Source]
Complete our secure online application in just 2 minutes. Provide basic details about your income, employment, and desired loan amount without any paperwork.
Our AI analyzes over 200 data points to match you with lenders most likely to approve your profile, balancing APR, term length, and funding speed.
Review personalized offers, choose the best rate, and receive funds as soon as the next business day once final verification is complete.
Complete your personal loan application in just 2 minutes with our streamlined process. Receive pre-qualification offers from multiple lenders simultaneously with a soft credit pull.
We are a lead generator, not a lender. We share your data with lenders so they can consider your request.
Start your personal loan application process
Get matched with the best personal loan offers from our network of 100+ trusted U.S. lenders. No impact to your credit score to check your rate.
Whether you need a debt consolidation loan, emergency funds, home improvement financing, or cash for any purpose, our AI finds your best options. Funds available as soon as the next business day after approval.
Loan AI Portal securely routes your request through RoundSky, our lead distribution technology partner. This processing is covered by our Data Processing Agreement (DPA), which sets the data protection obligations RoundSky must follow.
Combine multiple high-interest debts into one lower-rate payment. Save money on interest and simplify your finances. Typical APRs: 6.99% - 24.99%.
Finance renovations, repairs, or upgrades without tapping home equity. Loan amounts up to $100,000. No collateral required for qualified borrowers.
Fast funding for unexpected expenses like medical bills, car repairs, or urgent needs. Same-day decisions are available with participating lenders.
Cover healthcare costs, dental procedures, or medical treatments. Flexible payment terms from 12-84 months. No upfront fees or hidden charges.
Finance your special day without draining savings. Competitive rates for qualified borrowers. Loans from $3,000 to $50,000.
Fund courses, certifications, or career development. Invest in your future with flexible repayment options. All credit types considered.
4.8 out of 5 stars from over 10,000 verified customer reviews. Highest satisfaction ratings in the industry.[Source][Methodology]
Get a 2-minute pre-qualification and rate check with our AI technology. No waiting days for initial decisions.
Bank-level 256-bit SSL encryption protects your personal and financial data at all times.
APRs as low as 5.99% for qualified borrowers with excellent credit. Compare offers from 100+ lenders.
Our lender network serves borrowers across the entire credit spectrum. Whether you have excellent, good, fair, or poor credit, we have lending partners ready to work with you.
Best rates: 5.99% - 10.99% APR
Highest approval rates
Largest loan amounts
Rates: 10.99% - 18.99% APR
High approval rates
Flexible terms
Rates: 18.99% - 28.99% APR
Good approval chances
Various loan options
Rates: 28.99% - 35.99% APR
Specialized lenders
Credit building options
Get instant answers to the most common questions about personal loans, interest rates, approval requirements, and our AI matching process.
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.
Our proprietary AI analyzes over 200 data points including your credit score, income, employment history, debt-to-income ratio, and even seasonal lending trends. 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%.
Yes! Our network includes lenders who specialize in working with self-employed individuals, freelancers, gig workers, and those with irregular income. Approval is definitely possible with alternative documentation.
Funding timelines vary by lender. Some offer same-day funding for approvals completed before banking cut-off times. Most provide next business day funding via direct deposit once verification is complete.
Our service is 100% free for borrowers. Individual lenders may charge origination or late fees; all fees are disclosed before you accept any offer.
Initial matching requires only basic information. If you proceed with a lender, you'll typically need ID, proof of income, proof of address, Social Security Number, and checking account details. Self-employed borrowers may need additional documentation.
Personal loans can improve your credit mix, reduce credit card utilization when consolidating debt, and build positive payment history. Many borrowers see 20-50 point increases after consistent payments.