Loans.net: one loan request, a whole network of lenders.
Most people apply to one lender, get turned down, and start over somewhere else. A Loans.net request takes about two minutes and goes out to lenders across our network at once.
Loans.net is a free loan-matching service run by Loans.net Network Ltd in New York since 2009. You fill in one short form, lenders in our network review it, and a lender that can work with you contacts you directly with its offer. The form uses a soft credit check, which doesn't affect your credit score. We're not a lender, and you never have to accept an offer.
Free · About 2 minutes · Soft credit check only
Lenders in our network include
What Loans.net is, and what it isn't
Loans.net is a loan-matching service, not a lender. We don't lend money, set rates or approve loans. The lenders in our network do all three.
What we do is get your request in front of them. One form reaches lenders across our network, and their systems check it automatically against what each one is willing to lend. A lender that can work with your amount and credit profile accepts your request and contacts you with its offer.
That's where you save time. Apply to five lenders one at a time and you fill in five applications, and every "no" sends you back to the start. Through Loans.net, a lender that can't help you never gets in touch, and one that can does. If your credit is thin or damaged, that can turn one rejection into one real offer. Expect that offer to carry a higher rate than someone with strong credit would get.
We've been doing this since 2009 and have sent thousands of loan requests to lenders in that time.
Before you start, work out two numbers: the amount you need and the monthly payment you can cover on a tight month. The loan calculator gives you both in about a minute.
How Loans.net works
Loans.net works in four steps: you send one request, lenders review it, a lender that can help contacts you, and you decide. The whole thing starts with a form that takes about two minutes.
Tell us what you need
Enter the amount, what it's for, and basic details about your income and how to reach you. We run a soft credit check, which doesn't affect your credit score.
Lenders in our network review it
Their systems check your request automatically against what each lender is willing to lend.
A lender contacts you
The lender that accepts your request gets your contact details and reaches out with its offer: the rate, the term, the monthly payment and any fees.
You decide
There's no obligation. If you go ahead, the lender takes your full application, which usually includes a hard credit check, and makes the final approval decision.
The slow part of borrowing isn't filling in an application. It's filling in five of them, one lender at a time, and risking a hard credit check with each one.
What happens to your information. Lenders in our network see your request so they can decide whether to make an offer. Only a lender that accepts it contacts you. Our privacy policy explains the details.
One rule protects you from most loan scams: a real lender never asks you to pay a fee before your loan is funded. If anyone does, stop and walk away.
Before you start, have your yearly income and the exact amount you need ready. With those in hand, the form really does take two minutes.
Loans you can get matched for on Loans.net
Through Loans.net you can get matched for personal loans, bad-credit loans, debt consolidation, mortgages, car loans, business loans, no-doc loans, and payday loans or cash advances.
Choose by what the money is for, not by which loan looks easiest to get. The easiest loan to get is usually the most expensive one you'll ever take.
Personal loans
A fixed amount, a fixed rate and a fixed monthly payment, usually with no collateral. Good for a big expense you want paid off on a set schedule.
Personal loan guideBad credit loans
Options still exist with a low score, but expect a higher rate and a smaller amount. A co-signer or a secured loan can improve both.
Bad credit loan guideDebt consolidation
One new loan pays off several card balances, and you're left with one payment. It only saves money if the new rate is lower than what you pay now.
Debt consolidation guideMortgages
Buying a home or refinancing one. A small rate difference matters more here than anywhere else, because you pay it for up to 30 years.
Mortgage guide Mortgage calculatorCar loans
New, used or refinance. Get financing lined up before you visit the dealer, so you have an offer to hold the dealer's against.
Car loan guideBusiness loans
Working capital, equipment or expansion. Lenders look at your time in business and your revenue, not only your credit.
Business loan guideNo-doc loans
For self-employed people and freelancers who can't show pay stubs. Income is usually checked with bank statements instead, and rates run higher.
No-doc loan guidePayday loans and cash advances
Small, fast and very expensive. The Consumer Financial Protection Bureau notes that a typical two-week payday loan with a $15 fee per $100 borrowed works out to an APR of almost 400%. Use one only for a real emergency you can repay on your next payday.
Payday loan guide Cash advance guideNot sure which fits? Start with what the money is for, then read that guide. Every guide ends with a way to send your request.
Why borrowers use Loans.net
People use Loans.net because it's free, it takes one two-minute form, and a "no" from one lender doesn't end the search.
- Free, with no obligation. You pay Loans.net nothing, and you can turn down any offer.
- One form instead of five. Your request reaches lenders across our network at the same time.
- A soft credit check only. Sending your request doesn't affect your credit score.
- No sales calls from us. The only call or email you should expect comes from the lender that accepts your request.
- In business since 2009. Loans.net Network Ltd has run the service from New York for 17 years and has sent thousands of loan requests to lenders.
How Loans.net makes money
A free service is only free if you know who pays for it. Lenders pay us. Some pay when they accept your request, others when a loan is funded. The lender that contacts you is one that chose to pay for your request, so being matched doesn't mean you've found the cheapest loan available.
That's why you should check any offer before you sign. Look at the APR and the total amount you'll repay, not only the monthly payment. Run the numbers in the loan calculator and compare them with what your own bank or credit union offers. If the offer comes out ahead, take it. If it doesn't, you've lost nothing.
When Loans.net isn't the right fit
Loans.net isn't the right fit if you need a student loan or a credit card, if our lenders don't serve your state, or if you don't want a lender to contact you.
We don't match student loans or credit cards today. The service isn't available in every state. And we can't promise approval: lenders make that decision, and not every request gets an offer.
If you'd rather not hear from a lender, don't send a request. A lender contacting you is how the service works, and it's better to know that before you start.
One more case: if your bank or credit union has already offered you a loan, get the APR in writing first. That's your number to beat, and any offer that comes through Loans.net should beat it before you say yes.
Tools to use before you apply
The most useful thing you can do before sending a request is work out what the loan will cost you in total, not just per month.
Say you borrow $10,000 at 15%. Over 36 months the payment is about $347, and you pay about $2,480 in interest. Stretch it to 60 months and the payment drops to about $238, but the interest climbs to about $4,275. The lower payment costs you roughly $1,795 more.
The rate is only an example. Your rate depends on your credit profile and the lender.
- Loan calculator: see the payment and total interest for any amount, rate and term.
- Mortgage calculator: monthly payment including taxes, insurance, PMI and HOA.
- Credit score guide: what a 400 or 500 score means and what you can still borrow.
- Secured vs. unsecured loans: when putting up collateral gets you a better rate.
Run your numbers first. Then any offer you get has a benchmark to beat.
Loans.net questions, answered
Loans.net is a free loan-matching service run by Loans.net Network Ltd in New York since 2009. You send one request, lenders in our network review it, and a lender that can work with you contacts you with an offer.
No. Loans.net doesn’t lend money, set rates or approve loans. The lender that contacts you makes every one of those decisions, and you deal with that lender directly from then on.
Yes. Loans.net Network Ltd has operated from New York since 2009 and has sent thousands of loan requests to lenders. Whoever contacts you, you can check that the lender is licensed in your state at NMLS Consumer Access, and never pay a fee before a loan is funded.
No. Loans.net uses a soft credit check, which doesn’t affect your score. If you go on to apply with a lender, it will usually run a hard check, which can lower your score by a few points for a short time.
Lenders pay us. Some pay when they accept your request, others when a loan is funded. You never pay Loans.net anything.
Loans.net doesn’t make sales calls. The lender that accepts your request will contact you directly about its offer. If no lender accepts it, no one gets in touch.
Personal, bad-credit, debt consolidation, mortgage, car, business and no-doc loans, plus payday loans and cash advances. We don’t match student loans or credit cards today.
Ready to send your request?
One form, about two minutes, and a soft credit check that doesn't touch your score. If a lender can help, you'll hear from it. If you don't like the offer, say no.
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