Even if your credit isn't perfect. See real offers from lenders who work with every credit type. Decision in minutes, funds as soon as tomorrow, and checking is free with no impact to your credit score.
Borrow $50 to $500 against your next paycheck through a cash advance app. No interest, but membership and instant-delivery fees usually apply.
Compare appsOur main product. A lump sum repaid in fixed monthly installments over 3 to 36 months, funded as soon as the next business day.
Apply nowSecured and fair-credit cards that report to all three bureaus, so on-time payments raise your score for a cheaper loan next time.
See cardsAn installment loan gives you a lump sum now and a fixed monthly payment you can plan around. Lenders in our network offer amounts from a few hundred dollars for a surprise bill up to $5,000 for larger projects or consolidating high-interest debt.
Because these are installment loans, not payday loans, you repay over months rather than in one balloon payment on your next payday. That keeps each payment manageable and, with most lenders, builds positive payment history on your credit report.
True Finance is not a direct lender. We don't make loans or credit decisions. We connect your request with participating lenders who may offer you a loan. Each lender sets its own rates, fees and terms, and you'll see them in full before you sign anything.
Smaller amounts are easier to qualify for and repay quickly. Larger amounts suit consolidation and one-time projects. Every tier opens the application with the amount pre-filled, and you can adjust it before you submit.
Choose an amount from $200 to $5,000, add a few details about your income and bank account, and submit. There's no cost and no obligation, and most people finish in about two minutes.
Your request is shared with lenders in our network who work with your credit profile and state. If a lender can help, you'll see an offer with the rate, term and total cost, usually within minutes.
Read the offer, then e-sign directly with the lender. Approved funds are typically deposited to your checking account as soon as the next business day.
We built this service for people the big banks overlook: hourly workers, gig workers, families living paycheck to paycheck, and anyone rebuilding credit after a rough patch. One short form reaches many lenders, so you don't have to apply over and over.
Start My Request Read the full process →Lenders describe the same loan in different ways depending on who it's for and what it's used for. Every type here is an installment loan or line of credit you can request through True Finance. Open a group and pick the one that matches your situation to start with the right purpose pre-filled.
| Option | Typical amount | Typical cost | Repayment | Credit check |
|---|---|---|---|---|
| Personal loan via True Finance | $200 – $5,000 | 5.99% – 35.99% APR | 3 – 36 months, fixed | Soft check to see offers |
| Cash advance app | $50 – $500 | 0% interest; subscription and express fees | Next paycheck | None |
| Payday loan | $100 – $500 | Roughly 400% APR | 2 – 4 weeks, lump sum | Often none |
| Credit card cash advance | Up to card limit | 25% – 30% APR plus 3% – 5% fee | Revolving | Existing account |
| Bank overdraft | Small | Around $35 per item | Immediately | None |
| Buy now, pay later | Purchase price | 0% – 36% APR | 6 weeks – 12 months | Soft or none |
You don't need perfect credit. Lenders in our network look at the whole picture, and these basics are what most of them ask for.
Your address and how long you've lived there, your employer or income source, your monthly income, your pay frequency, and your bank's routing and account numbers. Having these ready is what makes the two-minute form actually take two minutes.
Loan amounts, rates and terms are governed by the laws of the state you live in, and some lenders don't operate in every state. If no lender in our network can serve your state, you'll be told right away instead of being left waiting. Check your state →
Check My EligibilityEvery offer shows the APR, the monthly payment and the total you'll repay before you sign, exactly as the Truth in Lending Act requires.
Your rate depends on your credit history, income, the amount you request and your state. There is no fee to request a loan; if a lender charges an origination fee, it's included in the APR so the number you compare is the real cost. See full rates & terms →
This is an illustration, not an offer. Your actual terms are set by the lender and depend on your credit profile, income, amount, term and state. More examples by credit tier →
We built this service for people the big banks overlook: hourly workers, gig workers, families living paycheck to paycheck, and anyone rebuilding credit. Every lender in our network is screened against six standards before your request ever reaches them.
Every lender must be licensed or registered to lend in the states it serves and comply with federal lending law, including the Truth in Lending Act and the Equal Credit Opportunity Act.
Lenders must present the APR, term, payment schedule and all fees in the loan agreement before you sign, with no hidden charges.
We review lender complaint records and remove lenders that receive a pattern of unresolved consumer complaints.
We prefer lenders that report on-time payments to credit bureaus so a loan can help your credit, not just cost you money.
We do not work with lenders that require payment to release a loan. That is a hallmark of loan scams, and we will never ask for it either.
Data you submit is encrypted in transit with 256-bit SSL and shared only with lenders and service providers needed to process your request. We never sell your Social Security number.
Our editorial standards. Rates, ranges and comparisons on this page are reviewed at least quarterly against current market data and our lenders' published terms. When a figure changes, we update the page and the review date. We don't accept payment to rank one lender above another (how we vet lenders). Independent guidance on personal loans and avoiding lending scams is published free by the Consumer Financial Protection Bureau and the Federal Trade Commission.
What borrowers say about getting a personal loan online, from bad-credit approvals and soft credit checks to next-day funding and no upfront fees.
My credit score is under 600 and I honestly expected a decline. I requested a $1,500 emergency loan on a Tuesday afternoon, got matched with a lender in minutes, e-signed that night, and the money was in my checking account the next morning. The APR was clearly shown before I signed anything.
I was worried about a hard inquiry, but checking my loan options was a soft credit check only and my score did not move. I compared two offers for a $2,500 debt consolidation loan and picked the one with the lower rate and no origination fee. The online application took about two minutes.
Needed $800 for a car repair before payday and did not want a payday loan with a 400% APR. Got a small installment loan at a reasonable rate for my fair credit with fixed monthly payments over 12 months. Only wish the maximum amount for my tier had been higher.
I had been scammed once by a site that asked for a fee before releasing a loan, so I was cautious. True Finance never asked for anything up front. The loan agreement listed the APR, the monthly payment and the total cost. Funds arrived as soon as the next business day.
Used it for a $3,000 dental bill insurance did not cover. Lender decision in minutes, money in two business days, and I can pay the loan off early with no prepayment penalty. Customer support answered my email within a day. Would recommend for a quick personal loan online.
As a gig driver I do not have pay stubs. The lender accepted my bank statements as proof of income and approved a $2,000 loan the same day. Fixed monthly payments make it easy to budget, and on-time payments are being reported so my credit is actually improving.
Possibly. Lenders in our network consider income, banking history and other factors alongside your credit score. Borrowers with lower scores are often matched with smaller amounts or shorter terms first, and may qualify for larger loans over time. Bad credit loans →
Submitting a request does not affect your FICO score. Lenders may perform a soft inquiry to show you offers. A hard inquiry only happens if you choose to proceed with a specific lender's loan, and that lender will tell you before it does.
Most lenders deposit approved funds as soon as the next business day. Timing depends on the lender, your bank and the time of day your loan is finalized. Requests completed before early afternoon on a weekday have the best chance of next-day funding.
No. Our loan request service is free. Any interest, origination fees or late fees are set by the lender and disclosed in your loan agreement before you sign.
No. True Finance is not a direct lender and does not make credit decisions. We connect your request with participating lenders who may offer you a loan. We may receive compensation from lenders when a loan is made.
A personal loan is a larger amount, $200 to $5,000 here, repaid over months with interest. A cash advance is a small amount, usually under $200, repaid from your next paycheck with no interest but often a membership or express fee. Loans suit bigger, planned needs; advances suit a few days' gap.
Being declined by one lender doesn't mean every lender will say no. Your request is shown to multiple lenders. If none can help today, we'll point you to cash advance and credit-builder options that may fit better while you strengthen your profile.
Most personal loans in our network allow early repayment without a penalty, which reduces the total interest you pay. Check your lender's agreement for any prepayment terms before you sign.
Loans are not available in every state. Availability, amounts and terms are determined by each lender and by the laws of the state where you live. You'll find out during the request whether a lender can serve you. Loans by state →
Your details are encrypted and shared only with lenders and service providers needed to process your request. See our Privacy Policy for the full picture, including how to opt out of marketing.
Request $200 to $5,000 in about two minutes. It's free, it won't affect your credit score, and you're never obligated to accept an offer.
