Step · 01 / Instant prequalification
You’ll see results in seconds.
The form runs an instant prequalification check using a soft credit pull — this does not affect your credit score. You’ll see immediately whether you prequalify.
Apply in 90 seconds
Start your application.
Free, no obligation. We’ll match you with vetted lenders based on your situation — soft credit pull only, no impact on your score.
✓ Free & no obligation
✓ Soft credit pull only
✓ Takes ~90 seconds
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Lender verification
NMLS Consumer Access
Application processor
apiflag.com partner network
Equal opportunity
Fair Housing Act compliant
By submitting, you consent to be contacted by matched lenders about loan options. Your information is processed by our partner application network and shared only with lenders matched to your application. We do not sell your data. All matched lenders are verifiable in the public NMLS Consumer Access database at nmlsconsumeraccess.org. See our privacy policy and disclosure for details.
After you apply
What happens next.
Step · 02 / Match with lenders
Compare offers side-by-side.
If you prequalify, you’ll be matched with vetted U.S. lenders who can serve your situation. You see the offers, APRs, and terms — then you decide. No obligation to proceed.
Common questions
Before you apply.
Is this a hard credit check?
No. The initial prequalification uses a soft credit pull that doesn’t affect your credit score. A hard pull only happens later if you choose to proceed with a specific lender’s full application.
What if I don’t qualify?
No problem. You’ll see the result immediately. Prequalification doesn’t lock you into anything, and you can come back later if your situation changes.
Who actually lends the money?
Matched lenders are licensed U.S. financial institutions. Specific lender names appear on your offer page after prequalification. We are not a lender — we are an editorial publication that earns a referral fee when a reader is matched and proceeds. See our disclosure.
Will I get phone spam?
You’ll be contacted by matched lenders about your application — that’s how the matching works. You can opt out at any time, and your contact info is shared only with matched lenders, never sold to unrelated third parties.
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