From a small loan of $100 up to $5,000: pick only what you need
A lender may offer less than you ask for. The amount, APR and schedule depend on the lender, your state and your details.
$100 to $5,000All credit types considered
Get your loan request started
$100 to $5,000 ยท funds as soon as the next business day, if approved
256-bit SSLChecking your options won't affect your credit scoreFree to use
- Soft inquiry to check options
- Free to use
- Not a lender, a referral service
- Funds as soon as the next business day, if approved
Personal loans online from $100 to $5,000, for the days before payday
One short request. Lenders in our network read it. You see every term before you say yes.
Before payday, it's usually something like this
Need a loan before payday? You're not the only one.
- Rent is due the 1st. Payday is the 5th.
- The brakes started grinding on Monday.
- A vet bill landed before the paycheck.
- The bank already said no.
- A tooth that won't wait for next month.
- You'd rather not ask your sister again.
Sound like this week? A cash advance online starts with one short request. $100 to $5,000, all credit types considered.
Some lenders fund as soon as the next business day, if approved.
Start my requestHow it works
A cash advance online, requested in about five minutes
Three plain steps. Nothing is signed until you choose.
Tell us what you need
Pick an amount from $100 to $5,000. A few questions about income and your bank. About five minutes.
Lenders in our network review it
We are not a lender. We pass your request to lenders and lending partners. Each one decides on its own terms.
Read the offer before you accept
Rate, fees and due dates come first. Accept only if it works for you. Small loans can arrive as soon as the next business day, if approved.
Read this first
What to know before you request
Plain English. Four short notes. Worth two minutes before you send anything.
Why checking your options is a soft credit check
A soft inquiry doesn't affect your credit score. If you go ahead with a lender, it may run a full credit check under its own terms.
Payday loans online vs. online installment loans: what you may be offered
A payday loan is usually repaid in one payment on your next payday. An installment loan is repaid in several scheduled payments. Compare the total cost, not just the payment.
What it may cost: APR and fees
Short-term loans can be expensive. APRs vary by lender and state and can exceed 200%. The lender shows the APR, fees and due dates before you sign.
Who can request
Six things lenders usually ask for
All credit types considered, including requests for emergency loans for bad credit.
- 18 or older
- A US resident
- A steady source of income
- An active checking account
- A valid email address
- A phone number you answer
Meeting these does not mean you will be approved. Not available in every state.
Questions
Straight answers, first sentence first
Is BrainyProtect a lender?
No. BrainyProtect is a free referral service, not a lender. We pass your request to lenders and lending partners in our network. If one makes an offer, the terms come from that lender.
How much can I request?
From $100 to $5,000. Choose only what you need. The amount, APR and repayment schedule you are offered depend on the lender, your state and your information.
Can I request a loan with bad credit?
Yes. All credit types are considered, and lenders also look at things like income and your bank account. Approval is not guaranteed, and not every request is matched.
Will checking my options affect my credit score?
Sending a request doesn't commit you to anything. A lender may run its own credit check as part of considering your request.
How fast could I get the money?
If you are approved and accept an offer, funds can arrive as soon as the next business day. Timing depends on the lender and your bank.
What do I need to request a loan?
You need to be 18 or older and a US resident, with a steady source of income, an active checking account, and a valid email address and phone number. Meeting these does not mean you will be approved.
Wise before you borrow
Read first. Then send one short request.
$100 to $5,000. Free to check, and nothing to sign until you choose to.
See my options