Answer 5 quick questions. Our checker matches you to the loan type you're most likely to qualify for — before you ever submit an application.
Adjust the sliders — your match updates instantly
Based on your inputs, this is the loan type you're most likely to qualify for.
Checking your options will not affect your credit score.
From eligibility check to money in your account — three steps, no paperwork.
Use the checker above. We estimate the loan type and amount you're likely to qualify for using the same core factors lenders use: income, debt-to-income ratio, and credit range.
One simple form, about 2–3 minutes. Your information is encrypted and matched against a network of state-licensed lenders — with no hard credit pull at this stage.
If a lender approves you, you'll see the exact rate, payment, and terms before you sign anything. Accept, and funds can arrive as soon as the next business day.
The right choice depends on how much you need and how long you need to repay it.
| Payday / Cash Advance | Installment Loan Most popular | Personal Loan | |
|---|---|---|---|
| Loan amount | $200 – $1,000 | $1,000 – $5,000 | $3,500 – $15,000 |
| Repayment | Lump sum on next payday (2–4 weeks) | Fixed payments, 6–24 months | Fixed payments, 12–60 months |
| Credit needed | None — income based | Poor to Fair accepted | Fair or better recommended |
| Typical cost | Flat fee, ~$15–$30 per $100 | APR varies widely by state | APR ~4.95% – 35.99% |
| Best for | Small emergencies before payday | Mid-size expenses, building credit | Debt consolidation, large expenses |
| Funding speed | Same day possible | Next business day | 1–3 business days |
Your eligibility estimate is a starting point. Complete the 2-minute request form to see actual rates from licensed lenders — free, with no impact on your credit score.
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