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Request a loan now, regardless of your credit score. Conditions vary and terms apply.

Loan Term (Repayment Period)

  • Borrow from $200 to $5,000
  • All credit scores can apply
  • Funding in 24h post-approval
  • Your details are safe with us
  • Free request submission

Sometimes it's quite hard to plan ahead your finances. Unexpected situations happen all the time. That's where our service comes to the rescue. We specialize in online loans, connecting you with over 100 of direct lenders, who are ready to provide you with a loan fast and easily.

By completing a short form on this website, you get access to our network of lenders. The whole process takes just a couple of minutes. In some cases, lenders may request additional information. In general, the funds are deposited to your account in as soon as the next business day.

Getting a loan from a regular bank can be somewhat difficult, especially if your credit history is damaged or far from being perfect. Our lenders consider people with all backgrounds. No matter what credit you have, you still can submit a request and get lenders’ decision. You only need to fill out this short form, and our service will do the rest for you.

LOAN TERM FOR PERSONAL LOANS (REPAYMENT PERIOD)

MinimumMaximum
65 days84 months

APR, TOTAL LOAN COSTS AND FEES EXAMPLE

Loan Amount
$1,000
$2,000
$2,500
$5,000
Interest Rate
24.00%
19.00%
16.00%
12.00%
Loan Term
12 months
24 months
36 months
48 months
Origination Fee %
3.00%
5.00%
10.00%
12.00%
Origination Fee $
$30
$100
$250
$600
Monthly Payment
$94.56
$100.82
$87.89
$131.67
APR
29.82%
24.12%
22.93%
18.23%
Total interest Paid
$134.72
$419.68
$664.13
$1,320.12
Total Loan Cost
$1,164.72
$2,519.68
$3,414.13
$6,920.12
1
Fill Out Our Simple Form
It takes minutes to fill out our online form, it is protected by top-notch security software, and it is absolutely free for you. No obligation or hidden fees
2
Get Connected with a Lender
You will be connected with one of our lenders and receive your loan decision fast. Even the users with imperfect credit can be offered a loan. Fast access to cash
3
Money is Deposited Directly
E-sign documents to accept your loan offer. Your money can be transferred as soon as the next business day. And there is no penalty if you refuse. Get your cash!
Annual Percentage Rate (APR)
Here at Upfinances we offer APR rates ranging from 4.95% minimum to 35.95% maximum. The APR you may be offered depends on different factors, including your personal situation and financial standing. By completing our loan offer form you shall receive details of the APR and full terms of any loan offered to you.
The actual interest rate you may be offered depends on several factors: your credit score, financial history, income, etc. Contact your lender for more information about the APR you may receive and the terms of your loan agreement.
Loan Term (Repayment Period)
MinimumMaximum
65 days84 months
Representative Example of APR
If you borrow $2,500 over a term of 1 year with an APR of 10% and a fee of 3%, you will pay $219.79 each month. The total amount payable will be $2,637, with a total interest of $137.48.
Financial Implications (Interest & Finance Charges)
Upfinances is not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. It is your lender that will provide all the necessary information about the cost of the loan. It is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. Upfinances service is free of charge, and you are under no obligation to accept the terms that the lender offers you.
Implications of Non-Payment
When you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents. In the event of non-payment, additional charges may be applied. Late payment penalties vary by lender, and as Upfinances is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. For more information, please contact the lender directly if you have any issues relating to your loan repayment.
Potential Impact on Credit Score
Upfinances is not a lender and we do not check your credit standing and credit capacity. When you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. However, some lenders may carry out a credit check to ascertain your eligibility for a loan. Most likely they will turn to any of the three major credit bureaus (Transunion, Experian, and Equifax) that is in most cases considered a hard inquiry and may affect your credit score.
Collection Practices
Upfinances is not a lender. As such, we are not involved in any debt collection practices and cannot make you aware of any of them. Your lender will specify their collection practices in your loan agreement. If you have any questions regarding the issue, please, address them to your lender. For more information visit our page for Responsible Lending. upfinances.com itself isn’t involved in debt collection.
Loan Renewal Policies
Loan renewal options are not always available. It is therefore advisable to clarify whether the option is available with your lender. Be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents.

upfinances.com

Our free loan connecting service allows customers across America to access extra cash when they need it most. It’s our goal to help you find the lender offering a loan quickly and hassle-free.

Frequently asked questions to help you on your path to financial freedom.

Use the chat feature on the right side of your screen. A live agent is available to assist you between 9 AM and 5 PM EST. You can also reach us by email at contact@upfinances.com
Qualifying is based on a few key categories:
  1. Currently have a job or have other sources of regular income. Those receiving benefits also qualify
  2. Make at least $800 per month
  3. Are 18 years of age or older and a U.S. resident
  4. Other requirements may apply
If we are able to find you a lender, usually you will be redirected to the lenders site within 2 minutes. Some lenders may also call you to confirm your loan. If we are not able to find you a lender, you will see a message stating that.
We upfinances.com do not lend money or process loans. Upon getting results, we redirect you to one of our reputable lenders. You may be asked to fill out additional forms.
You will need to have a bank account in order for us to find you a lender. If you don't have a checking account you can indicate that you have a savings account. Just choose "savings account" when submitting your information. Additionally, our lenders use the bank account to deposit your loan and for repayment.

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Disclaimer: upfinances.com IS NOT A LENDER, does not broker or provide loans. This website does not make any loan decisions and does not constitute an offer or solicitation to lend. Participating lenders offer loans from $200 up to $5,000. We are not offering you a loan and do not promote any lending services. Our website is not available in all states. Submission of a request through this website does not guarantee that you will be approached a loan offer or receive an offer you’ll be satisfied with. If you have any questions about your loan, please contact your lеndеr directly. Credit checks may be carried out with the three reporting credit bureaus: Experian, Equifax, and TransUnion. Submission of a request means you are authorizing the lenders to check your creditworthiness and your personal details. This service is not a solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by state law. This service is void where prohibited.

State Availability: Not all lenders from our system operate in all US states. Residents of some US states may not be eligible for loans products in accordance with their legislation. By selecting your State at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you are resident in individual US states.

Footnotes: (¹) This is the average time taken to complete the online loan process, submit the details and receive a loan approval decision.

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