How it worksThree minutes now.
Money tomorrow.
No branch, no fax machine, no mystery. Here is exactly what happens between the moment you tell us what you need and the moment the money is in your account.
Soft credit check · No fees to apply · You choose the offer
Tell us what you need
Pick an amount from $200 to $5,000, then answer the questions a lender has to ask: how you earn, roughly how much, and which checking account the money should land in. Most people finish in about three minutes and upload nothing.
We check the request is complete and that your state allows the amount, then send one request — not one per lender — to the lenders in our network that serve your state. What you need to qualify
See your offers
Lenders review your request with a soft credit check — the kind that is invisible to other lenders and never changes your score. If one or more can make you an offer, you see them side by side with the same four numbers: APR, term, monthly payment and total of payments.
Lenders weigh income and bank history more than a FICO number, which is why fair, poor and thin credit files still get offers. There is no minimum credit score to apply. Bad credit loans
Review and sign
Compare the offers like you'd compare anything else: by what it costs in total, not just the monthly number. When one fits, you e-sign the loan agreement directly with that lender. Nothing is binding until you sign, and you can walk away from every offer at no cost.
The agreement is a Truth in Lending document: APR, finance charge, amount financed and total of payments are printed in a box by law. If any of those four is missing, don't sign. How to read rates and fees
Get funded
The lender deposits the money to the checking account you gave us — often the next business day, sometimes the same day if you sign early. From then on your fixed payment is drafted automatically on the dates in your agreement.
Sign before the lender's cutoff (usually mid-afternoon Central) for next-business-day funding. Friday evening and weekend signings normally fund on Monday or Tuesday.
What the clock actually looks like
A realistic timeline for a request made on a weekday morning. Yours may be faster or slower; this is what most borrowers see.
- Request submitted
Three minutes on a phone. Amount: $1,500. No documents uploaded.
- Soft credit check
Lenders in the network pull a soft inquiry. Your score does not move.
- Two offers on screen
12 months at 29.99% APR and 18 months at 35.99% APR, each showing payment and total of payments.
- Offer accepted, agreement e-signed
The TILA box is reviewed; no origination fee, no prepayment penalty.
- Lender processes the deposit
Funding is sent through the banking system after the lender's afternoon cutoff.
- Money in checking
$1,500 available. First payment drafts in 30 days on the date shown in the agreement.
Living with the loan
Payments draft automatically
Same amount, same date, until the payoff date in your agreement. Keep enough in the account the day before; a returned payment can carry a fee under state law.
Fees explainedPay early whenever you like
Installment lenders in our network charge no prepayment penalty. Extra payments applied to principal shorten the loan and cut the interest you pay.
Run the numbersIf a month goes wrong, call first
Contact the lender before the due date. Most will move a date or set up a plan — far cheaper than a missed payment and a 30-day late mark.
Who to contact
Five things you'll never be asked for
- A fee to apply, to "unlock" funds, or to speed up a deposit
- A gift card, wire or crypto payment of any kind
- A hard credit pull before you've accepted an offer
- Collateral, a car title or a co-signer
- Your bank login password — lenders verify, they don't log in
Asked at every step
Does checking my offers affect my credit score?
No. Offers are generated with a soft inquiry that other lenders can't see and that does not change your score. A hard inquiry can happen only after you accept a specific offer and the lender finalizes the loan.
Who actually lends the money?
A licensed lender in our network. Zebit is a loan-connection service: we send your single request to lenders, and the one whose offer you accept funds the loan, sets the APR and collects payments. We are paid by lenders and never charge you to apply. Is Zebit legit?
Can I get more than one offer?
Often, yes. When more than one lender can make an offer you see them side by side with the same four numbers — APR, term, monthly payment, total of payments — so the comparison is apples to apples.
What if I change my mind after signing?
Read the agreement for a rescission or cancellation window; many lenders let you return the funds within a few days at no cost. After that, you can repay early at any time with no prepayment penalty.
Start your request
Soft credit check, real offers, your decision. Nothing is binding until you sign.
Checking your rate does not affect your credit score.