Can I get a personal loan in Florida with The Lending Group?

Yes. We match Florida residents with lending partners licensed to make consumer finance loans in the state. One soft-pull form returns pre-qualified offers from $2,500 to $50,000 with fixed APRs from 6.99% to 24.99%.

Who regulates personal loan lenders in Florida?

The Florida Office of Financial Regulation (OFR) licenses and supervises consumer finance lenders under Chapter 516 of the Florida Statutes. The OFR publishes a searchable license database and accepts consumer complaints.

What is the maximum interest rate on a personal loan in Florida?

Florida uses a tiered cap under section 516.031, with maximum rates stepping down as the loan balance increases, so the applicable ceiling depends on your loan size. Every licensed lender must disclose the APR and total finance charge in writing before you sign.

Can I use a Florida personal loan for a condo special assessment?

Yes. Structural reserve and milestone-inspection assessments are a permitted use, and an unsecured personal loan can close in days rather than the weeks a home equity product takes — without pledging the unit as collateral.

Can I use a personal loan for hurricane repairs in Florida?

Yes. Roof replacement, impact windows, generator installation, and the out-of-pocket gap left by a percentage-based named-storm deductible are all common and permitted uses.

Do payday loans work differently from personal loans in Florida?

Yes. Deferred presentment transactions are regulated under Chapter 560, tracked in a state database, and limited to one at a time with a 24-hour cooling-off period. They are short-term, high-cost products, unlike a Chapter 516 installment loan.

Can retirees on Social Security qualify in Florida?

Yes. Social Security, pension, and annuity payments count as verifiable recurring income. Retirees with long credit histories and low card utilization often qualify for the most competitive rate bands.

How do seasonal tourism or construction earnings affect approval?

Lenders underwrite on stable monthly income, so present annualized earnings supported by tax returns or a full year of bank statements rather than a single peak-season month.

How fast do personal loans fund in Florida?

Comparing takes about 60 seconds. After you choose a lender and pass their verification, most approved loans deposit in one to three business days, with same-day funding available from some partners.

Can I get a Florida personal loan with fair credit?

Yes. Borrowers in the 580 to 669 range typically see APRs between 17.99% and 24.99% with smaller amounts and more documentation requests. Comparing multiple offers matters most in this band.

Is there a prepayment penalty on Florida personal loans?

Loans in our network carry no prepayment penalty, so you can pay ahead or clear the balance at any time and keep the unaccrued interest. Confirm this in your lender's agreement.

What if a Florida lender misrepresents my loan terms?

File a complaint with the Florida OFR, which supervises Chapter 516 licensees, and with the federal Consumer Financial Protection Bureau. Retain every disclosure and statement you received.

Does The Lending Group lend money in Florida?

No. We are an online marketplace. We do not fund loans, set rates, or make credit decisions. Loans are made by licensed lending partners, and our comparison service is free to you.

What credit score do I need for a personal loan in Florida?

Most lending partners serving Florida look for a FICO score of 580 or higher, and the widest selection of offers opens at 670. Score is only one input: verifiable income, debt-to-income ratio, and payment history carry real weight. The Lending Group is a marketplace, not a lender, so we do not set score cutoffs — each licensed partner applies its own.

What income do I need to qualify in Florida?

There is no single statewide income floor. Partners generally want to see steady, verifiable recurring income — pay stubs, 1099s, benefit letters, or several months of bank deposits — and enough room in your budget that the new payment keeps total debt-to-income at or below roughly 43%. Many FL applicants qualify from about $1,500 a month in documented income.

Can I apply in Florida if I receive Social Security, disability, or pension income?

Yes. Fixed benefit income is treated as qualifying income by most partners as long as it is recurring and documentable with an award letter or bank deposits. Because that income does not typically rise, lenders pay close attention to the payment-to-income ratio, so a longer term with a smaller payment often produces a better outcome.

Can I get a personal loan in Florida without a job?

Employment is not strictly required, but income is. Self-employment, contract work, rental income, retirement distributions, alimony, and benefits can all qualify when documented. Applications with no verifiable income source are declined by essentially every partner in the network.

Do I need a bank account to borrow in Florida?

Yes. Partners fund by ACH deposit and collect payments the same way, so an active checking account in your own name is required. Prepaid cards and accounts held solely in someone else's name will not work for funding or autopay.

Can two people apply together on a Florida personal loan?

Several partners accept co-borrowers or co-signers, which can lift the approval odds and lower the APR when the second applicant has stronger credit. Both people are fully liable for the balance, and the loan appears on both credit reports. Availability of joint applications varies by lender.

Will applying from Florida hurt my credit score?

No. Comparing offers uses a soft credit inquiry that only you can see and that has no effect on FICO or VantageScore. A hard inquiry happens only after you choose a specific offer and that lender pulls credit to finalize underwriting — a step you control.

What is a good personal loan APR in Florida right now?

For 2026, a fixed APR under about 11% is strong for Florida borrowers with excellent credit, 12% to 18% is competitive in the good-credit range, and anything above 25% deserves a second look against alternatives. Rate limits in Florida are shaped by Florida Consumer Finance Act, Ch. 516 — tiered caps under ch. 516.031.

Are there origination fees on Florida personal loans?

Some partners charge an origination fee, typically 1% to 8%, deducted from the amount deposited; others charge none. The fee is folded into the APR by law, which is exactly why you should compare APR rather than the quoted interest rate. Request the amount financed and the total finance charge in writing before signing.

Why do two Florida lenders quote me different rates for the same application?

Each lender uses its own risk model, cost of funds, and target borrower. Two partners looking at an identical FL applicant can be several percentage points apart. On a $20,000 five-year loan a five-point spread is roughly $3,300 in interest, which is the entire reason the marketplace exists.

Are personal loan rates in Florida fixed or variable?

Offers presented through the marketplace are fixed-rate installment loans: the APR, the monthly payment, and the payoff date are locked at signing. That is a meaningful contrast with credit cards and HELOCs, whose variable rates move with the prime rate.

Can I refinance an existing Florida personal loan for a lower rate?

Yes. If your score has improved or rates have moved, you can compare new offers and use the proceeds to retire the old balance. Check whether the current loan carries a prepayment penalty and compare remaining total interest rather than payment size before you refinance.

How much does a $10,000 personal loan cost in Florida?

At 12.99% over 48 months a $10,000 loan runs about $268 a month and roughly $2,860 in total interest. At 19.99% the same loan is about $304 a month and roughly $4,590 in interest. Our personal loan calculator lets you model your own Florida numbers before applying.

Which agency should a Florida borrower contact with a lender complaint?

Start with the Florida OFR, which licenses and examines consumer lenders under Florida Consumer Finance Act, Ch. 516 and can investigate, order corrective action, and publish licensee records. You can also file with the federal Consumer Financial Protection Bureau. Keep every disclosure, statement, and message from the lender.

How do I verify a lender is licensed in Florida?

Check the Florida OFR licensee lookup and the NMLS Consumer Access database, then confirm the exact legal entity name on your loan documents matches the licensed entity. Never send an advance "insurance," "processing," or "first payment" fee to secure a loan — that is a hallmark of an advance-fee scam, not a licensed lender.

What federal disclosures should a Florida borrower receive before signing?

The Truth in Lending Act requires the APR, finance charge, amount financed, total of payments, and payment schedule in writing before you become obligated. The Equal Credit Opportunity Act bars discrimination and entitles you to a written adverse-action notice if you are declined. State rules under Florida Consumer Finance Act, Ch. 516 apply on top of these federal floors.

Is there a right to cancel a personal loan in Florida?

Unsecured personal loans generally have no federal three-day rescission right — that applies to certain loans secured by your home. In practice, returning the funds promptly and paying any accrued interest is usually the cleanest exit. Read the cancellation language in your specific agreement, since terms vary by lender.

Are prepayment penalties allowed in Florida?

Partners in our network do not charge prepayment penalties, so paying ahead saves the unaccrued interest. State law and each lender's agreement govern this, so confirm the prepayment clause in the contract before you sign.

Does Florida law limit debt collection if I fall behind?

Yes. The federal Fair Debt Collection Practices Act plus Florida collection rules restrict harassment, false statements, and contact at unreasonable hours, and Florida sets its own exemptions and procedures for garnishment and judgments. Contact your lender before missing a payment — hardship plans and due-date changes are common and free to ask about.

Does The Lending Group make credit decisions or charge Florida residents a fee?

No to both. The Lending Group is an online lending marketplace, not a lender, bank, or credit union. We do not fund loans, set APRs, approve or decline applications, or service accounts — licensed lending partners do all of that. Using the comparison service is free; partners compensate us when a match results in a funded loan, and that never changes the rate you are quoted.

Florida Personal Loans

Personal Loans in Florida: Compare FL Lender Offers

Florida residents can compare unsecured personal loans from $2,500 to $50,000 with fixed APRs from 6.99% to 24.99% through The Lending Group's marketplace. Consumer finance lenders serving Florida are licensed by the Office of Financial Regulation under Chapter 516. Checking your rate is a soft credit pull with no score impact.

Compare offers from lenders licensed to serve Florida residents
Borrow $2,500 to $50,000 with fixed APRs from 6.99% to 24.99%
Soft credit pull only — checking your rate never affects your score
Most approved loans fund in 1–3 business days
Available statewide, from Miami, Tampa, Orlando and everywhere between
No fee to compare and no obligation to accept an offer

Check my rate →Estimate my payment

Soft credit check • No impact to your credit score • 60-second form

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Soft credit pull
60-second form
No fee to compare

At a glance

State served: Florida (FL)
Loan amounts: $2,500 – $50,000
APR range: 6.99% – 24.99% fixed
Repayment terms: 24 – 84 months
Minimum credit score: 580 (670+ preferred)
State regulator: Florida OFR
Governing law: Florida Consumer Finance Act, Ch. 516
Rate & fee limits: Tiered caps under Ch. 516.031
Typical funding time: 1 – 3 business days

Personal loan rates by credit score for Florida borrowers (2026)

Credit band	FICO range	Typical APR	What to expect
Excellent	780–850	6.99% – 10.99%	Best pricing, longest terms, largest amounts available.
Very good	740–779	8.49% – 13.99%	Strong offers from most partners with minimal conditions.
Good	670–739	11.99% – 17.99%	Widest range of competitive offers; comparison matters most here.
Fair	580–669	17.99% – 24.99%	Fewer partners, smaller amounts, may require proof of income.
Building	Below 580	Limited availability	Consider a co-borrower or a secured product instead.

APRs shown are ranges advertised by lending partners serving Florida as of 2026 and are illustrative, not an offer of credit. Your actual rate depends on credit profile, income, debt-to-income ratio, loan amount, term, and Florida law. The Lending Group is a marketplace and does not set rates or make credit decisions.

Borrowing in Florida: what local applicants should know

Florida's cost pressures are unusually concentrated in housing-adjacent expenses. Property insurance premiums have risen faster here than in any other state, and condominium owners now face structural reserve assessments driven by post-Surfside legislation. Those assessments arrive as five-figure demands with short deadlines, which is why condo-heavy markets like Miami-Dade, Broward, and Pinellas generate a steady share of $10,000 to $40,000 personal loan requests.

Hurricane exposure shapes the rest. Deductibles on named-storm claims are percentage-based rather than flat, so a Category 2 landfall can leave a homeowner with a $15,000 out-of-pocket gap even when fully insured. Roof replacement, impact-window installation, and generator work are common Florida loan purposes, and demand spikes in the weeks following a named storm.

Income patterns matter too. Tourism, hospitality, construction, and agriculture employ a large share of Florida workers, and all four are seasonal. Lenders underwrite on stable monthly income, so applicants with peak-season earnings should present annualized figures supported by tax returns or a full year of bank statements rather than a single strong month.

Florida also has one of the largest retiree populations in the country. Social Security, pension, and annuity income all count as verifiable income for underwriting purposes, and retirees with long credit histories and low utilization frequently qualify for the top rate bands even on modest fixed incomes.

Florida licensing and consumer protections

Consumer finance lenders operating in Florida are licensed by the Office of Financial Regulation (OFR) under Chapter 516 of the Florida Statutes, the Florida Consumer Finance Act. Chapter 516.031 sets tiered maximum interest rates that step down as the loan balance rises, along with the limited fees a licensee may charge. You can verify any lender's license through the OFR's public search before you sign.

Florida's tiered structure means the effective cap depends on your loan size, so a $3,000 loan and a $30,000 loan are governed by different maximums. Whatever the tier, federal Truth in Lending rules require the lender to disclose your APR, finance charge, amount financed, and total of payments in writing before you commit — that disclosure is the number to compare, not the advertised rate.

Florida separately regulates deferred presentment (payday) transactions under Chapter 560, with a state database enforcing a one-loan-at-a-time limit and a 24-hour cooling-off period. Those are consumer protections worth knowing about, but a deferred presentment transaction is a short-term, high-cost product and should not be treated as interchangeable with a Chapter 516 installment loan.

The Lending Group is a marketplace, not a lender. We do not extend credit, set rates, or make approval decisions in Florida. Beyond state law, the Equal Credit Opportunity Act prohibits discrimination based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance, and the Fair Credit Reporting Act governs how your credit information may be used.

How the marketplace works for Florida residents

The Lending Group is an online lending marketplace, not a direct lender. We do not fund loans, set rates, or make approval decisions. We take a single Florida application and match it against licensed U.S. lending partners so you can see multiple pre-qualified offers side by side instead of filling out the same form five times.

Pricing for the same borrower varies widely between lenders. Two lenders looking at an identical 690 FICO applicant in Florida can quote APRs several percentage points apart, driven by their own risk models and funding costs. On a $20,000 five-year loan, a five-point difference is roughly $3,300 in interest — which is why comparing is the highest-value minute you will spend.

Comparing offers uses a soft credit inquiry that is visible only to you and has no effect on your FICO or VantageScore. A hard inquiry happens only if you choose a specific offer and that lender runs one to finalize underwriting.

Using the marketplace is free. We are compensated by lending partners when a match results in a funded loan, and that compensation never changes the rate you are quoted.

Common reasons Florida residents borrow

Debt consolidation is the most frequent use. Rolling several credit card balances into one fixed-rate installment loan replaces revolving minimums with a defined payoff date, and because installment debt does not count toward revolving utilization, it often lifts a score within one or two billing cycles.

Home improvement and repair follow closely — roofs, HVAC replacement, storm and weather damage repair, and accessibility work. An unsecured personal loan closes far faster than a home equity product and does not put the property up as collateral.

Medical and dental bills, auto repair, moving costs, weddings, and genuine emergencies round out the list. Common exclusions across lenders include post-secondary tuition, gambling, and any illegal purpose.

Personal loan vs. other options for Florida borrowers

How an unsecured personal loan compares with the alternatives most Florida households weigh, using typical 2026 market figures.

	Personal loan	Credit card	HELOC	401(k) loan
Typical APR	6.99% – 24.99% fixed	~22.8% variable	~8% – 10% variable	~8.5% (prime + 1%)
Collateral	None	None	Your home	Your retirement balance
Time to funding	1–3 business days	Immediate	2–6 weeks	3–10 business days
Definite payoff date	Yes	No	After draw period	Yes (5 years)
Biggest risk	Higher rate than secured	Compounding interest	Foreclosure	Taxes if you leave your job

How it works

Step 1
Tell us what you need
Enter your loan amount, purpose, and basic contact details. The form takes about 60 seconds and never asks for payment.
Step 2
Compare pre-qualified offers
We match your profile against licensed lending partners with a soft credit pull. Your credit score is not affected.
Step 3
Pick the offer that fits
Review APR, monthly payment, term, and any origination fee side by side. Compare total cost, not just the monthly payment.
Step 4
Finish with your chosen lender
Complete verification directly with the lender you select. Most approved loans deposit funds in 1–3 business days.

What lenders in our network look for

Be at least 18 years old and a U.S. citizen or permanent resident
Have a verifiable source of recurring income — employment, self-employment, benefits, or retirement
Hold an active checking account in your own name for direct deposit and repayment
Provide a valid Social Security number and government-issued photo ID
Typically a FICO score of 580 or higher, with the best pricing at 670 and above
A debt-to-income ratio generally at or below 43%, including the new loan payment
A Florida residential address and a phone number where you can be reached
Loans are made by lenders holding a Florida OFR consumer finance license; availability varies by lender

Requirements vary by lender. Meeting them does not guarantee an offer, and The Lending Group does not make credit decisions — see our marketplace disclosure.

Frequently asked questions

Can I get a personal loan in Florida with The Lending Group?: Yes. We match Florida residents with lending partners licensed to make consumer finance loans in the state. One soft-pull form returns pre-qualified offers from $2,500 to $50,000 with fixed APRs from 6.99% to 24.99%.
Who regulates personal loan lenders in Florida?: The Florida Office of Financial Regulation (OFR) licenses and supervises consumer finance lenders under Chapter 516 of the Florida Statutes. The OFR publishes a searchable license database and accepts consumer complaints.
What is the maximum interest rate on a personal loan in Florida?: Florida uses a tiered cap under section 516.031, with maximum rates stepping down as the loan balance increases, so the applicable ceiling depends on your loan size. Every licensed lender must disclose the APR and total finance charge in writing before you sign.
Can I use a Florida personal loan for a condo special assessment?: Yes. Structural reserve and milestone-inspection assessments are a permitted use, and an unsecured personal loan can close in days rather than the weeks a home equity product takes — without pledging the unit as collateral.
Can I use a personal loan for hurricane repairs in Florida?: Yes. Roof replacement, impact windows, generator installation, and the out-of-pocket gap left by a percentage-based named-storm deductible are all common and permitted uses.
Does checking my rate affect my Florida credit score?: No. Comparing offers uses a soft credit pull that is visible only to you and has no effect on your FICO or VantageScore. A hard inquiry occurs only if you select an offer and that lender finalizes underwriting.
Do payday loans work differently from personal loans in Florida?: Yes. Deferred presentment transactions are regulated under Chapter 560, tracked in a state database, and limited to one at a time with a 24-hour cooling-off period. They are short-term, high-cost products, unlike a Chapter 516 installment loan.
Can retirees on Social Security qualify in Florida?: Yes. Social Security, pension, and annuity payments count as verifiable recurring income. Retirees with long credit histories and low card utilization often qualify for the most competitive rate bands.
How do seasonal tourism or construction earnings affect approval?: Lenders underwrite on stable monthly income, so present annualized earnings supported by tax returns or a full year of bank statements rather than a single peak-season month.
How fast do personal loans fund in Florida?: Comparing takes about 60 seconds. After you choose a lender and pass their verification, most approved loans deposit in one to three business days, with same-day funding available from some partners.
Can I get a Florida personal loan with fair credit?: Yes. Borrowers in the 580 to 669 range typically see APRs between 17.99% and 24.99% with smaller amounts and more documentation requests. Comparing multiple offers matters most in this band.
Is there a prepayment penalty on Florida personal loans?: Loans in our network carry no prepayment penalty, so you can pay ahead or clear the balance at any time and keep the unaccrued interest. Confirm this in your lender's agreement.
What if a Florida lender misrepresents my loan terms?: File a complaint with the Florida OFR, which supervises Chapter 516 licensees, and with the federal Consumer Financial Protection Bureau. Retain every disclosure and statement you received.
Does The Lending Group lend money in Florida?: No. We are an online marketplace. We do not fund loans, set rates, or make credit decisions. Loans are made by licensed lending partners, and our comparison service is free to you.
What credit score do I need for a personal loan in Florida?: Most lending partners serving Florida look for a FICO score of 580 or higher, and the widest selection of offers opens at 670. Score is only one input: verifiable income, debt-to-income ratio, and payment history carry real weight. The Lending Group is a marketplace, not a lender, so we do not set score cutoffs — each licensed partner applies its own.
What income do I need to qualify in Florida?: There is no single statewide income floor. Partners generally want to see steady, verifiable recurring income — pay stubs, 1099s, benefit letters, or several months of bank deposits — and enough room in your budget that the new payment keeps total debt-to-income at or below roughly 43%. Many FL applicants qualify from about $1,500 a month in documented income.
Can I apply in Florida if I receive Social Security, disability, or pension income?: Yes. Fixed benefit income is treated as qualifying income by most partners as long as it is recurring and documentable with an award letter or bank deposits. Because that income does not typically rise, lenders pay close attention to the payment-to-income ratio, so a longer term with a smaller payment often produces a better outcome.
Can I get a personal loan in Florida without a job?: Employment is not strictly required, but income is. Self-employment, contract work, rental income, retirement distributions, alimony, and benefits can all qualify when documented. Applications with no verifiable income source are declined by essentially every partner in the network.
Do I need a bank account to borrow in Florida?: Yes. Partners fund by ACH deposit and collect payments the same way, so an active checking account in your own name is required. Prepaid cards and accounts held solely in someone else's name will not work for funding or autopay.
Can two people apply together on a Florida personal loan?: Several partners accept co-borrowers or co-signers, which can lift the approval odds and lower the APR when the second applicant has stronger credit. Both people are fully liable for the balance, and the loan appears on both credit reports. Availability of joint applications varies by lender.
Will applying from Florida hurt my credit score?: No. Comparing offers uses a soft credit inquiry that only you can see and that has no effect on FICO or VantageScore. A hard inquiry happens only after you choose a specific offer and that lender pulls credit to finalize underwriting — a step you control.
What is a good personal loan APR in Florida right now?: For 2026, a fixed APR under about 11% is strong for Florida borrowers with excellent credit, 12% to 18% is competitive in the good-credit range, and anything above 25% deserves a second look against alternatives. Rate limits in Florida are shaped by Florida Consumer Finance Act, Ch. 516 — tiered caps under ch. 516.031.
Are there origination fees on Florida personal loans?: Some partners charge an origination fee, typically 1% to 8%, deducted from the amount deposited; others charge none. The fee is folded into the APR by law, which is exactly why you should compare APR rather than the quoted interest rate. Request the amount financed and the total finance charge in writing before signing.
Why do two Florida lenders quote me different rates for the same application?: Each lender uses its own risk model, cost of funds, and target borrower. Two partners looking at an identical FL applicant can be several percentage points apart. On a $20,000 five-year loan a five-point spread is roughly $3,300 in interest, which is the entire reason the marketplace exists.
Are personal loan rates in Florida fixed or variable?: Offers presented through the marketplace are fixed-rate installment loans: the APR, the monthly payment, and the payoff date are locked at signing. That is a meaningful contrast with credit cards and HELOCs, whose variable rates move with the prime rate.
Can I refinance an existing Florida personal loan for a lower rate?: Yes. If your score has improved or rates have moved, you can compare new offers and use the proceeds to retire the old balance. Check whether the current loan carries a prepayment penalty and compare remaining total interest rather than payment size before you refinance.
How much does a $10,000 personal loan cost in Florida?: At 12.99% over 48 months a $10,000 loan runs about $268 a month and roughly $2,860 in total interest. At 19.99% the same loan is about $304 a month and roughly $4,590 in interest. Our personal loan calculator lets you model your own Florida numbers before applying.
Which agency should a Florida borrower contact with a lender complaint?: Start with the Florida OFR, which licenses and examines consumer lenders under Florida Consumer Finance Act, Ch. 516 and can investigate, order corrective action, and publish licensee records. You can also file with the federal Consumer Financial Protection Bureau. Keep every disclosure, statement, and message from the lender.
How do I verify a lender is licensed in Florida?: Check the Florida OFR licensee lookup and the NMLS Consumer Access database, then confirm the exact legal entity name on your loan documents matches the licensed entity. Never send an advance "insurance," "processing," or "first payment" fee to secure a loan — that is a hallmark of an advance-fee scam, not a licensed lender.
What federal disclosures should a Florida borrower receive before signing?: The Truth in Lending Act requires the APR, finance charge, amount financed, total of payments, and payment schedule in writing before you become obligated. The Equal Credit Opportunity Act bars discrimination and entitles you to a written adverse-action notice if you are declined. State rules under Florida Consumer Finance Act, Ch. 516 apply on top of these federal floors.
Is there a right to cancel a personal loan in Florida?: Unsecured personal loans generally have no federal three-day rescission right — that applies to certain loans secured by your home. In practice, returning the funds promptly and paying any accrued interest is usually the cleanest exit. Read the cancellation language in your specific agreement, since terms vary by lender.
Are prepayment penalties allowed in Florida?: Partners in our network do not charge prepayment penalties, so paying ahead saves the unaccrued interest. State law and each lender's agreement govern this, so confirm the prepayment clause in the contract before you sign.
Does Florida law limit debt collection if I fall behind?: Yes. The federal Fair Debt Collection Practices Act plus Florida collection rules restrict harassment, false statements, and contact at unreasonable hours, and Florida sets its own exemptions and procedures for garnishment and judgments. Contact your lender before missing a payment — hardship plans and due-date changes are common and free to ask about.
Does The Lending Group make credit decisions or charge Florida residents a fee?: No to both. The Lending Group is an online lending marketplace, not a lender, bank, or credit union. We do not fund loans, set APRs, approve or decline applications, or service accounts — licensed lending partners do all of that. Using the comparison service is free; partners compensate us when a match results in a funded loan, and that never changes the rate you are quoted.

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Compare offers from multiple lending partners with one soft-pull form. No fee, no obligation, no impact to your credit score.

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