Three simple steps in the Loans Today app, from choosing an amount to reviewing offers. Nothing is final until you accept a provider’s offer.
Check the numbers first
You don’t need to share anything to see what a loan could cost.
Loan calculator
Estimate a monthly payment, total interest and total repayment.
Rates & terms
APR ranges, loan amounts, terms and representative examples.
Everything happens in the app. You can stop at any step.
- 1
Choose an amount
Slide to any request amount from $100 to $5,000. You can change it before you submit.
We ask for: Requested amount
- 2
Submit a request
A few short screens, each with one job:
- Your detailsName, date of birth, ZIP code, state, email and phone number.
- Phone checkWe text you a one-time code to confirm the number is yours.
- Income questionsIncome source, employment status, time employed and monthly income range.
- Three consentsTerms and privacy, review and matching, and sharing with providers. Nothing is shared until you give all three.
- 3
Review offers
Compare provider matches with amount, APR and term, open full details and decide whether to continue. You are never obligated to accept an offer.
What happens next
After you submit, the app shows one of two answers.
Request received
Participating providers are reviewing your request. Any offers they present will appear in the app for you to compare.
No offers available right now
No provider could make an offer this time. Availability varies by state and provider, and you can try again later.
If you continue with a provider
- The provider may perform a hard credit inquiry, which can lower your credit score, before final approval.
- The provider gives you its loan agreement and required disclosures. Its documents control over anything shown in our app.
- Approvals, APRs, fees, repayment terms and funding times are set by the provider.
- Questions about an active loan go to your provider directly.
Who can submit a request
To use the request feature, you must be:
- 18 or older (19 in Alabama and Nebraska, 21 in Mississippi)
- A U.S. resident
- A source of income
- An active bank account in your own name
- A valid email address and phone number
Meeting these criteria does not guarantee an offer. Providers apply their own eligibility criteria and are not available in all states.
Typical ranges
- Loan amounts
- $100 – $5,000
- Loan terms
- 3 – 30 months
- APR range
- 5.49% – 35.00%
No provider may require repayment in full in 60 days or less.
How it works
Three simple steps in the Loans Today app, from choosing an amount to reviewing offers. Nothing is final until you accept a provider’s offer.
Check the numbers first
You don’t need to share anything to see what a loan could cost.
Three simple steps
Everything happens in the app. You can stop at any step.
-
Step 1
Choose an amount
Slide to any request amount from $100 to $5,000. You can change it before you submit.
We ask for:Requested amount -
Step 2
Submit a request
A few short screens, each with one job:
- Your detailsName, date of birth, ZIP code, state, email and phone number.
- Phone checkWe text you a one-time code to confirm the number is yours.
- Income questionsIncome source, employment status, time employed and monthly income range.
- Three consentsTerms and privacy, review and matching, and sharing with providers. Nothing is shared until you give all three.
-
Step 3
Review offers
Compare provider matches with amount, APR and term, open full details and decide whether to continue. You are never obligated to accept an offer.
What happens next
After you submit, the app shows one of two answers.
Request received
Participating providers are reviewing your request. Any offers they present will appear in the app for you to compare.
No offers available right now
No provider could make an offer this time. Availability varies by state and provider, and you can try again later.
If you continue with a provider
- The provider may perform a hard credit inquiry, which can lower your credit score, before final approval.
- The provider gives you its loan agreement and required disclosures. Its documents control over anything shown in our app.
- Approvals, APRs, fees, repayment terms and funding times are set by the provider.
- Questions about an active loan go to your provider directly.
Who can submit a request
To use the request feature, you must be:
- 18 or older (19 in Alabama and Nebraska, 21 in Mississippi)
- A U.S. resident
- A source of income
- An active bank account in your own name
- A valid email address and phone number
Meeting these criteria does not guarantee an offer. Providers apply their own eligibility criteria and are not available in all states.
Typical ranges
No provider may require repayment in full in 60 days or less.
The Loans Today app
Check typical rate ranges, estimate a monthly payment and, if it makes sense for you, send one request to participating providers.
- A calculator and a Rates tab to check before you request
- Three separate consents before anything is shared
- Clear outcomes: “Request received” or “No offers available right now”
