Check your options

Start your request

$100 - $5,000 · as soon as the next business day, if approved

256-bit SSL · Checking your options won't affect your credit score · Free to ask

A loan-request service · Not a lender

A little short before payday?

Request $100 to $5,000 in a few short steps.

How it works

Small, quick and clear, like a finch.

Check your options
How it works

Three steps to a possible offer.

From the form to a lender's decision, every step is short, encrypted and out in the open.

I.
The form
A short form: who you are, your income, your bank account. It's encrypted before it leaves your browser. No paperwork, no faxing.
II.
The routing
Your inquiry is routed to lenders, aggregators, and marketers in our network. More than one party may receive it. Each operates under its own privacy policy and contact rules.
III.
The decision
A lender, not CredFinch, decides approval and terms. If approved and you accept the offer, funds are typically deposited as soon as the next business day, subject to the lender and your bank.
Open road
Why we built CredFinch

Borrowing should feel unhurried.

Asking for a loan is a small decision with real consequences. We wanted the request itself to be calm, short and clear about who does what.

We don't issue loans. We don't approve, deny, or fund anything. What we do is run the inquiry layer, the form, the encryption, the routing, that connects you to lenders in our network. The lender alone decides whether to extend you an offer and on what terms, and the timing of any deposit is between you, the lender, and your bank.

Read every offer before you accept it. Compare the APR, the fees and the due dates, and borrow only what you can repay on time.

CredFinch FAQ

Does CredFinch make the loan?

No. A lender in our network does. CredFinch is a referral service, not a lender, broker or lender's agent.

How much can I request?

From $100 to $5,000. Many lenders offer less than the top of the range, depending on your state and situation.

Will checking affect my credit?

No. Checking your options doesn't affect your score. A lender may run its own credit check if you go ahead.

When could funds arrive?

If approved and you accept, often as soon as the next business day. The lender and your bank set the timing.

What do I need?

Basic personal details, income information and a checking account. You must be 18+ and live in a participating state.

Is CredFinch free?

Yes. Lenders pay us for introductions. Loan costs are set by the lender and shown before you accept.

The form is at the top of the page.

Two or three minutes, then lenders in our network take it from there.

Begin my request →