Does ResearchLoan rate or recommend lenders?
No. The research in the name is yours. We don't rank, review or recommend lenders, and we are not a lender ourselves. We pass one request to a network and publish plain guides on reading what comes back.
Loan requests · $100 – $5,000 · All credit types considered
Close the tabs. Send one request.
$100 – $5,000 · as soon as the next business day, if approved
256-bit SSL · Won't affect your credit score · Free to send
- All credit types considered
- Free to send, no obligation
- Checking won't affect your score
- You read the terms before you agree
Eleven tabs open.
Rent is still due Friday.Personal loan requests, $100 – $5,000
You've already done the reading. Send one request to a network of lenders, then read real terms instead of more search results. ResearchLoan is not a lender.
Sound like tonight's search history?
Looking things up at midnight isn't a flaw. It's what careful people do when the numbers are tight.
One request, $100 – $5,000. Free to send. Nothing to accept unless the terms suit you.
See my optionshow do I make it to Friday
- what does a new alternator cost
- rent grace period how many days
- why did my debit card get declined
- can they shut off power on a payment plan
- overdraft fee refund who do I call
- small loan after the bank said no
The form takes a few minutes.The offer deserves the rest of your attention.
What happens to one request
Three rows, from the form on your phone to a decision that stays yours.
You fill in the form once
Amount, contact details and income basics, on your phone, in a few minutes.
Checking your options won't affect your credit score.
Lenders in the network look at it
Your request goes to lenders and lending partners. Some may respond. None has to.
A match or an offer is never certain.
The homework is finally real
Any offer comes from the lender, with that lender's own terms. You read them, then accept or walk away.
Some lenders fund as soon as the next business day, if approved.
Five lines to find on any offer
Lenders word things differently. These five are worth locating before you agree, whoever sends the offer.
APR, the yearly price
Interest and required fees, stated as a yearly rate. On a short loan it can look very high, so read it with the dollar figures.
Finance charge, the dollar price
What the credit costs you in dollars if every payment arrives on time.
Total of payments, what leaves your account
Every scheduled payment added together. Hold it against the amount you actually receive.
Due dates against your payday
A payment that lands the day before your deposit can trigger a returned payment fee.
The cost of one missed payment
Late fees, returned payment fees, and whether the loan can renew. Some lenders charge for each.
What this site is, and what it isn't
ResearchLoan is
- A free form that sends one request to a network of lenders and lending partners
- A short set of plain guides on reading what comes back
- Reachable at info@researchloan.com
ResearchLoan is not
- A lender, a broker, or an agent of any lender
- A rating or review site. We don't rank or recommend lenders
- The one who decides. Lenders decide on the request. You decide on the offer
Questions from the margin
Does sending this request touch my credit score?
Checking your options won't affect your credit score. If you go ahead with an offer, the lender may run a fuller credit check, and that one can show on your credit file.
What comes back after I press send?
If a lender in the network has an offer for you, you see it with that lender's terms: the APR, the finance charge, the payment dates. It is also possible that no lender responds. Sending a request never commits you to a loan.
How small or large can one request be?
Between $100 and $5,000. A lender may offer less than you asked for, so check the amount on the offer against the amount you need.
When could the money land if a lender says yes?
Some lenders fund as soon as the next business day, if approved. Weekends, holidays and your bank's own cutoff times can push that out. The lender sets the timing, so read it on the offer.
What if the offer doesn't look right to me?
Close it. You owe nothing for sending a request and you don't have to accept anything. If something looks off, look the lender up with your state regulator first, and you can file a complaint with the Consumer Financial Protection Bureau.
Homework done? Send the request.
$100 – $5,000. Free to send. No obligation to accept anything that comes back.
See my options