Personal loans from $500 to $5,000, with the terms shown before you decide.
One short request, about three minutes. Submitting it does not involve a hard credit pull, and a lender tells you their exact terms before you agree to anything.
✓No hard credit pull to submit a request
✓The lender shows you every cost before you agree
✓If you accept, the lender tells you when funds will arrive
How much do you need?
Drag to choose the amount you want to request.
$1,000
$500$5,000
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🔒 No hard credit pull to submit a request
How It Works
Three steps, and you see the lender's numbers before you commit to anything.
01
Submit Your Request
About three minutes, with no hard credit pull to submit.
02
A Lender Reviews It
Lenders whose criteria may fit your profile decide and tell you their terms.
03
You Decide
Accept the offer or walk away. If you accept, the lender tells you when funds will arrive.
Rates & Terms
Fund Sparrow is an advertising referral service, not a lender. Your exact rate is set by the lender and disclosed before you sign.
| At a glance | |
|---|---|
| Request amounts | $500 – $5,000 |
| APR and fees | Set by the lender |
| Terms | Set by the lender |
| Credit pull to request | No hard pull to request |
| Cost to request | $0 |
| Who decides | The lender, not us |
Before you agree: the lender must show you the APR, any fees, the payment amount and schedule, and the total you will repay. They depend on the lender, your state, the amount, the term and your credit. There is never a fee for submitting a request through Fund Sparrow.
Frequently Asked Questions
Does submitting a request affect my credit score?
Sending your request through Fund Sparrow doesn't involve a hard credit pull by us. Lenders who review your request may check your credit, with the major credit bureaus or with alternative credit reporting agencies, and a lender may run a full credit check before you accept an offer. Each lender explains its own process.
How is my rate decided?
The lender sets it, based on your income, credit history, the amount, the term and your state. You see the exact APR and monthly payment before you agree to anything.
Can I request with fair or poor credit?
Yes. Each lender sets its own criteria, and you are welcome to submit a request whatever your credit.
How quickly could I receive funds?
Once you accept an offer, the timing of the deposit depends on the lender and your bank.
Is there a fee to submit a request?
No. Submitting is free and creates no obligation.
Submit your request in about three minutes
No hard credit pull to submit. No obligation to accept.
Request funds →