Referral service · Not a lender CoupeRates
A wide pale salt flat with a thin layer of water reflecting a soft blue sky at dawn behind the CoupeRates loan request form, $100 – $5,000

Find loan rates online$100 – $5,000All credit types considered

Begin your request

$100 – $5,000 · funds as soon as the next business day, if approved

256-bit SSL · Checking your options won't affect your credit score · Free to request

  • Secured by SSL
  • Free to request
  • All credit types considered
  • One request, many lenders

Plain answers about what it will cost.

CoupeRates is not a lender. One request for $100 – $5,000 goes to a network of lenders. Checking your options won't affect your credit score.

Recognise one?

Want plain answers?

One request for $100 – $5,000 to lenders in our network. Some lenders fund as soon as the next business day, if approved.

Start my request

Three marks

How CoupeRates works

One form on your phone. Lenders do the deciding. You do the reading.

  1. I

    Send one request

    Amount, contact details, a few income questions. A few minutes on a phone, encrypted end to end.

  2. II

    Lenders take a look

    Your request reaches lenders in our network. Each one decides on its own terms.

  3. III

    Read before you sign

    Any offer shows its APR, fees and due dates first. Accept it, or walk away owing nothing.

Before you start

What you need to apply

  • 18 or older, living in the USAvailability varies by state.
  • A steady source of incomeA job, benefits or self-employment.
  • An active checking accountIn your name, for deposit and repayment.
  • A phone number and emailSo a lender can reach you with an offer.
A wide pale salt flat with a thin layer of water reflecting a soft blue sky at dawn, the CoupeRates view of find loan rates online, $100 – $5,000

Find loan rates online

Salt flat, open sky.

Each offer comes with its terms in writing. Take your time with them.

Representative costs

What any offer has to show you

Lenders set the terms. You see all of them before you sign.

APRThe yearly cost, interest and fees together. Short-term loan APRs can be high and may exceed 200%.
Finance chargeThe total cost of borrowing, shown before you agree.
Repayment scheduleEach due date and each payment amount.
Late and returned-payment feesSet by the lender, written into the agreement.
Renewal or rolloverWhether the loan can be extended, and what that costs.

CoupeRates does not set rates or fees. Terms vary by lender and by state. Borrow only what you can repay on the schedule shown.

Questions

Find loan rates online, answered

What if my credit isn't perfect?

Lenders in our network consider all credit types. A lower score can mean fewer offers or different terms, and approval is never certain, but it does not stop you from sending a request.

Is CoupeRates the lender?

No. CoupeRates is a referral service, not a lender. We pass your request to lenders in our network, and any offer comes from the lender, on the lender's terms.

What amount can I ask for?

Anything from $100 to $5,000. A lender may offer a different amount after its own review.

Will checking offers hurt my credit?

No. Checking your options won't affect your credit score. A lender may run its own credit check as part of considering your request.

How quickly could I get the money?

That depends on the lender and your bank. Some lenders fund as soon as the next business day, if approved. Any offer shows its timing before you agree.

Who can send a request?

You need to be 18 or older and a US resident, with regular income, an active checking account in your name, and a phone number and email you use.

Get plain answers.

$100 – $5,000 through a network of lenders. Free to check. Nothing to sign until you choose.

See my options