Prospifi LoansIndependent loan-request service
Typed Prospifi into a search bar because you need a personal loan? Fill in one request here and lenders that may be able to help can answer with an offer.
4.8 · Trusted by 25,000 borrowers
One form · lenders that may respond
Takes about five minutes · No fee to use · No obligation to accept an offer. Any offer comes from a lender that reviews your request.
Who we are
Our service takes one personal loan request and shares it with lenders and lending partners that may be able to make an offer between $500 and $5,000.
People often arrive after a Prospifi search, so we say it plainly: we are a separate, independent service, and we do not lend money ourselves. Read more about us
Our approach
Every payment figure on this site is an estimate built from a stated example APR, so you can check our math and compare it with a real personal loan offer.
Lenders set the actual rate, fees and schedule, and those vary by state and by applicant. We may be paid by lending partners, which is how the service stays free for you. See our advertiser disclosure
Enter your details once instead of repeating them on site after site.
Your request can reach several lenders that work with a range of credit profiles.
We never charge you to submit a request or to review an offer.
The form is sent over an encrypted connection from your browser to our partners.
What we stand for
Three commitments shape every page of this site and every step of the request form you fill in.
Prospifi Loans
Independent personal loan requests
Pick your amount
Borrowing only what the bill requires keeps interest down, so start with the amount closest to your real cost.
A Prospifi search tends to begin with a round number; the invoice is a better guide. Each row opens a page with example payments, and the panel shows one worked estimate at an example APR of 24.99%.
$1,000over 12 months
A $1,000 request suits a brake job, a set of tires or an insurance deductible. Spread over 12 months at the example APR, the estimate is $95.04 a month and about $1,140.47 repaid in total. Your lender sets the real figures.
$2,000over 18 months
A $2,000 request often replaces a refrigerator or a washer and dryer pair. Spread over 18 months at the example APR, the estimate is $134.37 a month and about $2,418.73 repaid in total. Your lender sets the real figures.
$4,000over 24 months
A $4,000 request can pay off two or three card balances at once. Spread over 24 months at the example APR, the estimate is $213.47 a month and about $5,123.18 repaid in total. Your lender sets the real figures.
$5,000over 36 months
A $5,000 request covers a transmission rebuild or a larger one-time bill. Spread over 36 months at the example APR, the estimate is $198.77 a month and about $7,155.82 repaid in total. Your lender sets the real figures.
Before you sign
A loan offer is a contract, and six lines in it decide what the money really costs. Whether you found a lender through a Prospifi search or through our form, read these before you accept anything.
The yearly cost of the loan, with interest and required fees rolled into one percentage.
The sum of every payment. Compare this number, not just the monthly figure.
Some lenders take a fee out of the loan, so you receive less than you borrow.
Check that the due date falls after your paycheck arrives, and ask if it can move.
Most lenders let you pay early without a penalty. Confirm it in writing first.
Know the grace period and the charge for a missed payment before the first due date.
A personal loan trades some speed for a fixed payment and a clear end date, which is why it usually costs less than revolving options for the same bill. The dots below are our editorial view, scored from one to five.
| Option | Amount | Speed | Cost | Repayment clarity |
|---|---|---|---|---|
| Personal loan through our network | ●●●●● | ●●●●● | ●●●●● | ●●●●● |
| Credit card cash advance | ●●●●● | ●●●●● | ●●●●● | ●●●●● |
| Buy now, pay later | ●●●●● | ●●●●● | ●●●●● | ●●●●● |
| Bank personal loan | ●●●●● | ●●●●● | ●●●●● | ●●●●● |
| Earned wage access app | ●●●●● | ●●●●● | ●●●●● | ●●●●● |
Available through our network
Lenders in our network consider personal loan requests for five common purposes, and each one has its own guide. The search itself rarely names the purpose, yet the purpose shapes the amount and the term that make sense.
Loan sizes
Smaller loans are normally repaid within a year, while amounts near $5,000 are often spread over two or three years. The ranges below are typical for personal loans in this band; your lender decides what it offers. Visitors who arrive from a Prospifi search most often choose the middle size.
$500 to $1,500
Typical term: 3 to 12 months
$1,500 to $3,000
Typical term: 12 to 24 months
$3,000 to $5,000
Typical term: 24 to 36 months
Steps
The request form takes about five minutes, and many lenders answer within minutes of receiving it. Funding time is set by the lender and your bank, so treat every time below as an estimate. The steps are the same whether you found us through Prospifi results or a direct link.
Estimate for the form itself. Lender review and funding take additional time.
Tell us the amount, your income and where the funds should go. A cash loan application here is a request, not a commitment.
Lenders in our network review the request. If one can make an offer, you are sent to that lender to see it.
Read the APR, the fees and the payment schedule. Decline if the numbers do not work for your budget.
If you accept, the lender sends the money to your bank account, sometimes as soon as the next business day.
How it works
Requesting through our form gives you one application, a decision from lenders that may respond quickly, and the freedom to say no. People who reach us after a Prospifi search usually ask about these six points first.
Request any amount in that range. The lender confirms what it can offer.
Typical for this loan size, with fixed monthly payments on most offers.
Many lenders reply within minutes. Funding speed depends on the lender.
Our service is free for borrowers. Lending partners may pay us.
Seeing an offer does not commit you to accepting it.
Your request travels over an encrypted connection end to end.
Eligibility
Most lenders in our network ask for the six basics below, and meeting them does not promise approval. Tick the ones you have ready; nothing you tick here is saved or sent.
0 of 6 ready
Read the full eligibility guide
Estimator
Move the slider to see estimated monthly payments at an example APR of 24.99%. The lender you match with sets the real rate, so use this to size a personal loan, not to predict an offer. A Prospifi search will not show your rate either; only a lender's offer can.
Estimate only, at an example APR of 24.99% with no fees. Not an offer of credit.
Rates
Personal loan rates for amounts up to $5,000 commonly fall between about 8% and 35.99% APR, depending mostly on credit history and income, and the personal loan percentage rate you are offered can sit anywhere in that span.
The table shows illustrative ranges only; it is not a quote from any lender, and it is not a Prospifi rate sheet.
| Credit profile | Typical APR range (est.) | Est. payment, $2,000 / 18 mo |
|---|---|---|
| Excellent (720+) | 8% to 14% | $121.04 |
| Good (690 to 719) | 14% to 20% | $126.66 |
| Fair (630 to 689) | 20% to 28% | $133.40 |
| Building (below 630) | 28% to 35.99% | $141.35 |
Representative example
Estimate for illustration with no origination fee. A fee, a different APR or a different term changes every figure above, including the monthly payments. The loan percentage rate on your offer comes from the lender.
See how rates are setWhy use us
One request can reach several lenders, costs nothing to submit and leaves the decision with you. A Prospifi search can end in a dozen open tabs; our form is meant to replace that with a single step.
A single form goes to lenders in our network instead of one company.
We do not charge borrowers at any point in the process.
You can decline an offer and nothing is owed to us or the lender.
Our guides explain APR, fees and terms in plain language first.
Requests are encrypted in transit and shared only to seek an offer.
Reach us by phone or email with questions about the request form.
Repaying
A personal loan is repaid in equal installments on a fixed schedule, so the safest plan is to set the due date just after your paycheck arrives. These are general tips for any personal loan, not the policy of a lender or of Prospifi.
Automatic payments remove the risk of a missed due date, and some lenders give a small rate discount for enrolling. Keep enough in the account a day early so the withdrawal clears.
Adding even $20 to a payment shortens the loan and trims interest. Ask the lender to apply extra money to principal, and confirm there is no prepayment penalty on your contract.
Lenders can sometimes move a due date or set up a short hardship plan if you ask before a payment is late. Waiting until after the due date usually means a fee instead.
Disclosures
Our service connects personal loan borrowers with lenders; we do not make loans, set rates or approve applications.
Offers depend on the lender, are not available in every state, and approval is never assured. We are also not Prospifi: this site is independent and has no tie to prospifi.com. Read the advertiser disclosure and the terms of use for the details.
Security
Legitimate lenders never ask for an upfront fee, a gift card or a wire transfer before funding a personal loan.
Submit requests only on a page whose address starts with https, and check that the lender you are sent to names its state license. Report anything suspicious to us at the address in the footer. Our privacy policy explains how request data is used.
Who we are
We run a loan-request service from Columbus, Ohio, and we answer questions about the form by phone and email. Our writers explain personal loan rates, fees and terms so that a request made here is an informed one.
Searches for Prospifi bring many visitors to this page, which is why the independence notice appears in several places. If you were looking for that company, its own website is the right place to go.
Reviewed by the Prospifi Loans editorial team · Last updated November 2026
Contact
We are not a lender.
FAQ
Six short answers cover who we are, what a personal loan request costs and how fast lenders usually respond. The full FAQ page goes deeper on credit checks, fees and repayment.
No. This site is an independent loan-request service and is not affiliated with Prospifi (prospifi.com). People reach us through a Prospifi search, but we are a different business with our own form and our own partners.
No, and we are not Prospifi either. We pass your personal loan request to lenders and lending partners that may be able to make an offer. The lender makes the credit decision, sets the terms and funds the loan.
You can request a personal loan from $500 to $5,000. The lender confirms the amount it is able to offer, which may be lower than the amount you asked for.
Submitting the form to us does not by itself change your score. Lenders may check your credit when they review a request or when you accept an offer, and a hard inquiry can lower a score by a few points.
Many lenders answer within minutes, and some fund as soon as the next business day after you accept. Timing depends on the lender, your bank and when you finish the paperwork.
Nothing. We do not charge borrowers. If you accept a loan, the lender's APR and any fees are listed in its offer, so read that document before you sign.
Ready when you are
Five minutes, no fee to use, and you decide whether any offer is worth accepting once you have read the numbers.