Frequently asked questions

No. Monthly Loan Match is a free service that passes your loan request to lenders and lending partners. Lenders make every credit decision, set every rate and fee, and fund and service the loan.

Yes. It is a real request-matching website at monthlyloanmatch.com. We never charge you a fee, and our Terms of Use, Privacy Policy and Disclaimer explain exactly how your information is used. Always read the lender's agreement before you accept an offer.

Never. No one connected with Monthly Loan Match will ask you to pay, buy a gift card or send a wire transfer to get a loan. If someone does, it is a scam: do not pay, and report it at reportfraud.ftc.gov.

Installment loans: a set amount repaid in equal monthly payments over 3 to 84 months, with APRs from 4.95% to 35.95%. These are not payday loans or paycheck advances, and they do not roll over.

Between $200 and $5,000. The amount a lender actually offers depends on its review of your income, credit and state, and may be lower than you asked for.

Generally: be 18 or older, a U.S. citizen or permanent resident, have a checking account in your name, a regular source of income, and a working phone number and email address. Each lender has its own requirements, so meeting these does not guarantee approval.

Sending a request through this site does not affect your score. A lender that reviews it may check your credit, and some checks are hard inquiries that can lower your score slightly.

It depends on the amount, term and APR your lender offers. As an illustration, $2,000 over 24 months at 19.99% APR is $101.78 a month. Our payment estimator lets you try other numbers.

If you accept an offer, the lender sends funds to your bank account. Some lenders fund as soon as the next business day; timing depends on the lender and your bank and is not guaranteed.

No. A request is not a contract. You can review any offer and decline it at no cost.

Many installment lenders allow it and you may save interest. Check your loan agreement or ask the lender whether any prepayment fee applies.

Your lender. We cannot see your loan account, payments or balance. For questions about this website or your data, use our Contact page.

Pages are served over encrypted HTTPS. We share your request with lenders and partners so they can review it, as explained in our Privacy Policy, which also explains how to opt out of marketing.

No. Lenders only operate where they are permitted, so residents of some states may not be matched.