What's the difference between a personal loan and a payday loan?
Personal loans are unsecured installment loans repaid over 12–60 months with fixed monthly payments. Payday loans are much shorter (2–4 weeks) and typically smaller. Personal loans usually cost far less in total interest.
What credit score do I need?
Our network includes lenders that fund borrowers with credit scores as low as 550. Your rate depends on income, debt-to-income ratio, and credit history — but there's no hard minimum.
How long does approval take?
Pre-qualification results appear in under 60 seconds. Full approval and funding is typically completed within 1 business day of accepting an offer.
Will applying hurt my credit score?
No. Pre-qualification uses a soft credit inquiry that does not affect your score. A hard pull only happens if you accept a specific loan offer.