How It Works
LoanPathway makes it simple to reach multiple lenders with a single request. Our service is free, and you are never obligated to accept an offer. We are not a lender; we pass your request to lenders and lead buyers through our distribution partner, Lending Revenue.
Step 1: Submit One Request
Fill out our secure online form in about 2 minutes. Tell us how much you'd like to borrow, what it's for, and some basic information about your income, employment and bank account.
Step 2: Lenders in Our Network Review It
Your request is sent over an encrypted connection to lenders in our network. Each lender reviews it using its own criteria and decides whether it can make you an offer.
Step 3: Review the Offer and Decide
If a lender can make you an offer, you'll be taken to the lender's website to review the loan terms, including the APR, fees and repayment schedule. You decide whether to accept. If you accept and complete the lender's process, funds may arrive as soon as the next business day, depending on the lender and your bank.
What to Have Ready
- A valid ID: your driver's license or state ID number, so lenders can confirm who you are.
- Your Social Security number: lenders use it to verify your identity, prevent fraud and review your credit history.
- Your bank account details: account type, routing number and account number, so a lender can deposit the funds and set up repayment if you accept a loan.
- Income information: your income source, amount, pay frequency and next pay dates, so lenders can assess what you can afford to repay.
- Employer details: your employer's name and phone number and your job title, which lenders may use to verify employment.
Your information is transmitted using 256-bit TLS encryption. See our Privacy Policy for details.
What Happens After You Submit
- You may receive calls, text messages or emails from lenders or partners about your request, if you consented to be contacted.
- A lender may check your credit. Each lender will explain its own practices.
- Before accepting any offer, carefully review the APR, fees, term, monthly payment and total repayment amount.
- If no lender can make you an offer, you are under no obligation, and there is no cost to you.
Submitting a request does not guarantee an offer or approval.
Who Can Submit a Request
- You must be at least 18 years old.
- You must be a U.S. resident.
- You should have a regular source of income.
- You need a checking or savings account in your name.
- Our service is not available in all states. We currently do not accept requests from residents of New York or Illinois.
Loan Options
- Loan amounts: $1,000 to $5,000
- Repayment terms: 91 days minimum to 72 months maximum
- APR: 5.99% to a maximum of 35.99%
Lenders set their own rates, fees and terms. See our Rates & Fees page for a representative example.