One application.Hundreds of lenders.Your best offer, fast.
Personal loans and debt payoff loans, all through one simple request. Submit your information once and lenders in our network compete for your business, so you never have to shop around.
- Won't affect your credit score
- Funding as soon as next business day
- All credit types considered
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Fast funding
Personal Loan
Borrow$5,000to$40,000Cash for car repairs, medical bills, a move, or anything life throws at you.
- Borrow for almost any purpose
- One fixed rate and fixed monthly payment
- Funds as soon as the next business day
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One payment
Debt Payoff Loan
Pay off$10,000to$150,000Pay off high interest credit cards with one loan and a clear date when you're debt free.
- Roll multiple card balances into one payment
- Potentially lower your interest rate
- A set payoff date instead of endless minimums
Not sure which one fits? Submit one request and we'll match you with the option that makes the most sense for your situation.
Stop applying lender by lender. Let them compete for you.
Most people apply at one lender, get one offer, and hope it's a good one. With LoanWiseIQ you submit one request and it goes out to our network of lending partners, so you see more options with a lot less work.
Credit not perfect? You still have options.
A low score doesn't have to mean a no. Our network includes lenders who work with fair and poor credit every day, so one request gives you a real shot, even if you've been turned down before.
Shopping around on your own
- A new application every timeRetyping the same details at site after site.
- More hits to your creditEach full application can mean another hard inquiry.
- Waiting on every decisionDays of back and forth, one lender at a time.
- No idea if it's your best rateWith one offer, you have nothing to compare it to.
- Declined? Start overOne no sends you back to square one somewhere else.
Apply once. Lenders come to you.
- One simple requestAbout 2 minutes, start to finish.
- No impact to checkSeeing your options won't affect your score.
- Lenders compete for youMore offers means a better shot at a low rate.
- Money fastFunding as soon as the next business day.
Three simple steps to your best offer.
No branch visits, no stacks of paperwork, and no calling lender after lender. Here's how LoanWiseIQ gets you from request to funded.
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About 2 minutes
Tell us what you need
Choose a personal loan or debt payoff loan, pick your amount, and answer a few quick questions.
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No credit impact
Compare your offers
We send your request to our lending network. Lenders who want your business respond, and you choose the one that fits.
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As soon as next business day
Get your money
Finish up with your lender and your funds can land in your account as soon as the next business day.
Questions? We've got answers.
Everything you need to know about checking your options with LoanWiseIQ. Don't see your question? Your request is free and there's no obligation.
One simple request reaches our whole network of lenders.
Check my rate Won't affect your credit score.Will checking my options affect my credit score?
No. Checking your options uses a soft credit inquiry, which doesn't affect your credit score. If you choose an offer and move forward, that lender will usually run a hard credit check as part of your final application.
Is LoanWiseIQ a lender?
No. LoanWiseIQ is a free service that connects you with lenders in our network. We don't make loans or credit decisions. Each lender sets its own rates, terms, and approval requirements.
Does it cost anything to use LoanWiseIQ?
No. Using LoanWiseIQ is completely free, and you're never obligated to accept an offer. Some lenders charge fees, such as an origination fee, so always review the full terms before you accept a loan.
How much can I borrow?
Personal loans range from $5,000 to $40,000, and debt payoff loans range from $10,000 to $150,000. The amount you're offered depends on the lender, your credit, your income, and the state you live in.
How fast can I get my money?
Many lenders in our network can send funds as soon as the next business day after you're approved and sign your loan agreement. Exact timing depends on the lender and your bank.
Can I get a loan with bad credit?
You may still have options. Our network includes lenders who work with fair and poor credit, and many look at your income and employment too, not just your score. Not everyone will qualify, but checking is free and won't hurt your credit.
What's the difference between a personal loan and a debt payoff loan?
A personal loan gives you cash you can use for almost anything, like car repairs, medical bills, or a move. A debt payoff loan is used to pay off high interest credit cards and other debts, leaving you with one monthly payment and a set payoff date.
What information will I need?
To get started, just your name, contact information, the amount you need, and some basic details about your income and employment. If you move forward with a lender, they may ask for things like a photo ID, pay stubs, and your bank account information.
Is my information secure?
Yes. Your information is protected with SSL encryption and is only shared with lenders in our network so they can review your request. You can read more in our Privacy Policy.
One simple request reaches our whole network of lenders.
Check my rate Won't affect your credit score.Questions? We've got answers.
Everything you need to know about checking your options with LoanWiseIQ. Don't see your question? Your request is free and there's no obligation.
One simple request reaches our whole network of lenders.
Check my rate Won't affect your credit score.Will checking my options affect my credit score?
No. Checking your options uses a soft credit inquiry, which doesn't affect your credit score. If you choose an offer and move forward, that lender will usually run a hard credit check as part of your final application.
Is LoanWiseIQ a lender?
No. LoanWiseIQ is a free service that connects you with lenders in our network. We don't make loans or credit decisions. Each lender sets its own rates, terms, and approval requirements.
Does it cost anything to use LoanWiseIQ?
No. Using LoanWiseIQ is completely free, and you're never obligated to accept an offer. Some lenders charge fees, such as an origination fee, so always review the full terms before you accept a loan.
How much can I borrow?
Personal loans range from $5,000 to $40,000, and debt payoff loans range from $10,000 to $150,000. The amount you're offered depends on the lender, your credit, your income, and the state you live in.
How fast can I get my money?
Many lenders in our network can send funds as soon as the next business day after you're approved and sign your loan agreement. Exact timing depends on the lender and your bank.
Can I get a loan with bad credit?
You may still have options. Our network includes lenders who work with fair and poor credit, and many look at your income and employment too, not just your score. Not everyone will qualify, but checking is free and won't hurt your credit.
What's the difference between a personal loan and a debt payoff loan?
A personal loan gives you cash you can use for almost anything, like car repairs, medical bills, or a move. A debt payoff loan is used to pay off high interest credit cards and other debts, leaving you with one monthly payment and a set payoff date.
What information will I need?
To get started, just your name, contact information, the amount you need, and some basic details about your income and employment. If you move forward with a lender, they may ask for things like a photo ID, pay stubs, and your bank account information.
Is my information secure?
Yes. Your information is protected with SSL encryption and is only shared with lenders in our network so they can review your request. You can read more in our Privacy Policy.
One simple request reaches our whole network of lenders.
Check my rate Won't affect your credit score.