*Funding speed and amounts vary depending on acceptance time and your bank clearing schedule.
Choose your amount, credit range, and ZIP. It's a soft check to view options — no impact to your score.
We match you with lenders based on your profile so you can review APRs, terms, and monthly payments.
Apply with your chosen lender. If approved, funds can arrive as soon as the next business day.
No impact to your credit score
A quick check to help you know if you're likely to see offers. No impact to your credit score to view options.
Applicants must be at least 18 years old (19+ in some states) and reside in the United States.
Regular income (employment, benefits, or self-employment) that can be verified by your chosen lender.
An open U.S. checking account in your name for deposit and payments.
Valid mobile phone and email address so the lender can confirm your details and deliver documents.
Some products aren't offered in every state. Availability may exclude AR, CT, NH, NY, MT, SD, VT, WV, IN, MN.
Viewing options uses a soft inquiry. Lenders may perform a hard inquiry and additional verification if you proceed.
Takes about 60 seconds • Won't affect your score
Note: Meeting these criteria does not guarantee approval. Each lender sets its own underwriting rules, terms, and additional requirements.
APRs, fees, and terms are determined by the lender that reviews your information. Submitting a request through our site does not affect your credit score; however, a lender may run a hard inquiry if you proceed with an offer.
The table provides representative examples only. Your exact offer will depend on your lender's underwriting, your state, and your financial profile.
| Loan Amount | Term | APR | Estimated Fee* | Monthly Payment | Total of Payments |
|---|---|---|---|---|---|
| $500 | 6 months | 24.99% | $25 | $89 | $534 |
| $1,000 | 12 months | 18.23% | $80 | $92 | $1,104 |
| $2,500 | 18 months | 26.99% | $200 | $167 | $3,006 |
| $5,000 | 24 months | 35.99% | $400 | $295 | $7,080 |
* "Estimated Fee" reflects a representative origination or arrangement fee where applicable. Not all lenders charge fees. These examples are for illustration only and may not reflect your offer. Availability varies by state. Late or missed payments may incur additional costs.
You can typically request between $100 and $5,000 depending on your state, income, and lender criteria. Exact eligibility is determined by the lender after reviewing your information.
Many approved borrowers receive funds by the next business day. Timing varies by lender, bank processing, and when you submit your request.
No. Our lending partners consider a range of credit profiles — including fair, poor, and limited histories. Offers depend on your income and ability to repay, not just your score.
Yes. We use industry-standard encryption and only share your data with trusted partners to process your request. Review our Privacy Policy for details.
Submitting a request through TreatOrCash does not impact your credit. If you proceed with a lender, they may perform a hard inquiry as part of their approval process.
One short request, no obligation to accept anything you're shown.
Takes about 60 seconds • Won't affect your score