Pick Your Amount
Slide to choose anywhere from $100 to $5,000. Your request goes out to our full network of lenders simultaneously — more lenders means better odds.
AS HEARD ON RADIO STATIONS NATIONWIDE
Heard on Radio Across America
NEED CASH
RIGHT NOW?
Request a loan in minutes — get funded as soon as tomorrow.
✓ All Credit Types ✓ Next Business Day Funding ✓ Zero Fees ✓ 100+ Lender Network ✓ Secure
Simple. Fast. Done.
HERE'S HOW IT WORKS
Three steps from "I need cash" to money in your account. No branch visits, no paperwork, no runaround.
Answer a Few Questions
Tell us about yourself, your income, and where to send the money. The whole form takes about 3 minutes. Everything is encrypted and secure.
Get Your Money
Review your lender's offer — no obligation to accept. Say yes, and funds can land in your bank account as soon as the next business day.
Why Choose Us
WE'VE GOT YOUR BACK
Since you heard us on the radio, here's what makes getyourloantest.com different from the rest.
Any Credit Welcome
Bad credit, thin file, or rebuilding — our lender network gives you a real shot.
Lightning Fast
Apply in minutes, get a decision fast, funds arrive as soon as next business day.
Completely Free
getyourloantest.com charges you nothing. Zero. Lenders pay us — you just pick the best offer.
Secure and Private
Your personal data is encrypted when using our service.
No Obligation
See your rate for free. Only accept if it's right for you. No pressure, ever.
100+ Lenders
More lenders competing for your request means better chances and better terms for you.
Loan Options
FIND THE RIGHT LOAN FOR YOU
Our lender network covers a range of personal loan products built for real-life situations.
Up to $1,000
Payday Loans
Bridge a gap until your next paycheck. Fast approval, short terms.
Up to $5,000
Installment Loans
Larger amounts repaid in affordable weekly or monthly installments.
All Credit
Bad Credit Loans
Poor or limited credit history? We work with lenders who say yes.
Emergency
Emergency Cash
Medical bills, car repairs, busted appliances — get cash when you need it.
Consolidation
Debt Consolidation
Roll high-interest debts into one manageable personal loan.
Frequently Asked Questions
We are here to help
What is a Personal Loan?
Personal loans are generally loans without collateral (hence the name personal). Personal loans can be used for any purpose, but common uses include debt consolidation, credit card payoffs, etc.. It may go without saying but personal loans should be used responsibly. Be sure to read the terms before accepting.
What is a Short Term Loan?
Short term loans are designed around addressing an immediate financial need or emergency. This could be an unexpected medical bill, a broken down car, etc. The loan amount range is usually up to $1,000 and the term can range from under 30 days for a payday style loan to monthly or weekly installments for an installment style loan.
Why are you collecting my SSN and Bank Details?
Our network of lenders use your SSN and bank details to help them make a decision about whether or not to extend you a loan offer. The bank details also help the lender that you are connected to know how to send money to your account. Our websites are encrypted using industry recognized encryption technology to help keep your information safe. Additionally, lenders use the SSN to help ensure the identity of the applicant is really the person they say they are.
Are you a lender?
No, we are not a lender. We work with several lenders to make up a network that can help you to find a loan. After submitting a request, if accepted, we will forward you to the lender's website where you will be able to learn more about your specific loan offer.
Important Disclaimers and Disclosures
IMPORTANT: The Operator of this website is not a lender, financial institution, loan broker or an agent of a lender or loan broker and does not make any credit decisions. You may not qualify with any lender for any loan amount, or you may qualify with a lender for an amount that is much lower than what you are seeking. This service, which connects consumers with eligible third party lenders, is free to consumers. This service does, however, receive payment from lenders for referring lead data to them. Although multiple factors dictate the order in which lenders have the opportunity to purchase a lead, the highest bidding lender will most often get the opportunity. Lenders may perform credit checks through any credit reporting bureau and may also verify the information that you provide on this form including social security number, address, phone number, employment history, bank account information etc. Information may be shared with non-lenders or other intermediary service providers (like us) to help you connect with a lender. This service works with many different kinds of lending partners, including tribal lending institutions. Federally recognized Indian tribes are independent sovereign nations and their wholly owned entities are generally not required to follow state and local laws regarding rates, fees and other loan related conditions. However, Indian tribes and their wholly owned entities are required to follow some applicable federal laws. If you are connected with a tribal entity, be sure to check their rates as they may carry higher interest rates when compared to state-licensed lenders. The Truth in Lending Act requires lenders to disclose rates, fees and other important conditions of a loan. After checking the terms, make a determination of whether or not you can afford the payments. We earnestly encourage you to reject any offer that is not within your financial means. Short-term, small-dollar loans are not a long term solution to financial hardship. You may also consider seeking professional advice regarding your financial circumstances and alternatives to loan products. Late payments of loans may result in additional fees or collection activities, or both. Each lender has its own terms and conditions. Please familiarize yourself with your lender’s policies for further information. Additionally, failure to repay your loan may carry nonpayment penalties and collection activities. Please review nonpayment terms with your lender directly. Every lender has a different renewal policy please review your particular lender’s renewal policy for more information.
State Availability: Lenders that participate in the services provided by this website do not offer loans in every state. If you are from a state that the lenders do not service, you will not be able to be connected to a lender. Our service does not constitute an offer or solicitation for any loan products that are prohibited by state law. Additionally, this is not a solicitation for any particular loan and is not a loan offer.
Advertiser Disclosure: This website offers a 100% free service that connects consumers with third-party lenders and partners. While this is a free service to consumers, third-party lenders or partners may provide the operator of this website with a referral fee for referring consumers to them.