Apply Now

Three minutes.
Then real offers.

3 min
to request
Soft
credit check
Next day
in checking
Start the form
The form

Tell us what you need.

One screen, no documents to start. Lenders see your request, not each other's offers.

No minimum credit score$0 to apply or declineNo hard pull to see offersNo prepayment penalty
Have handy
  1. 01Government ID
  2. 02Social Security number
  3. 03Income details
  4. 04Checking account & routing numbers

Representative example: $2,500 · 12 months · 35.99% APR = 12 × $251.17, $3,014 total

Loan requestEncrypted · soft check
Loading the secure form…
By submitting you agree to our Terms and Privacy Policy and consent to electronic communications. Zebit USA is not a lender · Disclosures
After you submit

What happens next

01

Soft check, in minutes

Lenders review income and bank history. Your credit score doesn't move; nothing shows to other lenders.

Minutes
02

Offers, side by side

Each shows APR, term, monthly payment and total of payments — the four federal numbers.

Same screen
03

You choose, you sign

E-sign with the lender you pick, or close the tab. Declining costs nothing and leaves no mark.

Your call
04

Money in checking

Usually the next business morning. Payments then draft automatically on the schedule you signed.

Next business day

Every step in detail

Woman at a desk writing notes before applying
Before you type

Three things worth knowing

  1. We'll never ask you to pay anything

    No fee to apply, unlock or release funds — by card, gift card, wire or crypto. Anyone who does isn't us. Scam alerts

  2. Lenders verify; they don't log in

    Income is confirmed through secure read-only tools or a document you upload. No one needs your online-banking password.

  3. Your request goes only to lenders in your state

    Licensed lenders and pay-later providers in our network — not data brokers. Opt out of further sharing any time. Privacy

Back to the form
Before applying

Quick answers

Will applying affect my credit score?

No. Offers use a soft inquiry that other lenders can't see and that doesn't change your score. A hard inquiry can happen only after you accept a specific lender's offer. Soft vs. hard checks

What if I don't get an offer?

You'll be told, nothing appears on your report, and you can usually re-apply after 30 days. Common reasons and fixes are on the requirements page; lower-cost options are on alternatives.

Can I change the amount after I start?

Yes — the amount and term fields in the form are editable, and lenders may counter with a different amount. Borrow the bill plus a small buffer, not a round number. Calculator

Who sees my information?

Lenders and pay-over-time providers in our network that operate in your state, plus the service providers that host and secure the form. Each lender's own privacy notice appears with its offer. Privacy policy · Do not sell my information

Stuck on a question in the form?Email [email protected] — Monday–Friday 8 AM–8 PM, Saturday 9 AM–3 PM Central. A real person answers.
Email support