How Our Loan-Request Service Works

The process has four steps: submit one request, wait while lenders review it, read any offer, then accept or walk away. Our part ends after the first step; the lender handles everything after that.

1. Submit one request. Enter the amount you need, your income and your bank details in the request form. It takes about five minutes and costs nothing.
2. Wait for a match. Lenders in our network review the request. If a lender can make an offer, you are sent to that lender's own page.
3. Read the offer. Check the APR, any origination fee, the monthly payment, the total repaid and the due dates before you decide.
4. Accept or walk away. Accept only if the numbers fit your budget. If you accept, the lender sends the funds to your bank account.

Before you start, have your ID details, Social Security number, income information and checking account numbers ready. With those at hand, the form takes about five minutes.

Lenders generally expect applicants to be at least 18, live in the United States, have regular income and hold a checking account in their own name. Our eligibility guide explains each requirement and the documents lenders may request.

After you submit, your details are matched against the criteria of lenders and lending partners in our network, usually within minutes. A lender that may be able to help reviews the request and, if it can make an offer, presents its terms.

Lenders may verify your identity and income electronically and check your credit. A soft inquiry does not affect your score; a hard inquiry, which usually happens if you proceed with an offer, may lower it slightly for a short time.

If no lender can make an offer, the request ends and you owe nothing. That outcome often reflects state lending rules or a lender's criteria, and it does not prevent you from trying again later.

We run the form and the guides; lenders make every credit decision and own every loan. Knowing the division of roles tells you whom to contact at each stage.

Our service is free for borrowers, and we never charge an application fee. The cost of a loan comes from the lender through the APR and any fees in its written offer.

As a representative example, $2,000 over 18 months at an example APR of 24.99% gives an estimated payment of $134.37 and a total repaid of about $2,418.73. Your offer will differ. Typical ranges appear on the rates page.

Protect yourself by reading every offer in full, comparing it with at least one other and refusing any request for an upfront payment. Legitimate lenders deduct fees from the loan; they never ask for gift cards or wire transfers first.

Check that a lender is licensed in your state before signing. Keep a copy of the loan agreement. And remember that you can decline any offer at no cost, even after reviewing it.

Our service is independent and is not affiliated with Prospifi or prospifi.com. Some visitors find us through a Prospifi search; the process described here is ours alone, and we cannot help with an account or application at that company.

If you were looking for that company, please visit prospifi.com directly. If you want to request a personal loan through an independent service and understand the cost first, the apply page is the place to begin.