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Personal Loans Online,
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Money sent straight to your bank account — in many cases as soon as the very same day.

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How much do you need?

$1,000
USD

Or pick a popular amount:

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Online Lenders Alliance Online Lenders Alliance member since 2014
Consumer Advisory: APR rates range from 5.99% to 35.99% maximum APR for qualified borrowers.1 Disclosures
What we help with

Help For Life's Everyday Expenses

Things come up. Reviewing your options is free, and there's never an obligation to accept.

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Pay Bills
Options for a wide range of scores
Home Improvements
Cover a gap until your next payday
Vehicle & Auto Repairs
Get back on the road sooner
Short Term Cash
Fund that project around the house
Debt Consolidation
Roll balances into one payment
Other
Whatever life throws your way
Simple & fast

How It Works

Three quick steps from request to funded.

1
Tell Us About Yourself
Step 1

Tell Us About Yourself

Spend about 2 minutes on our quick, secure online form — it works great on your phone too.

2
Get A Decision In Minutes
Step 2

Get A Decision In Minutes2

If we find a match, look over the amount, term, and APR. Accepting is always your choice — no obligation.

3
Receive Your Money
Step 3

Receive Your Money

Decide to continue, finalize with the lender, and get funds sent straight to your bank account.

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No surprises

Transparent Costs, No Surprises

Review sample loan costs before you commit to anything.

$1,134.72
Total Repaid
$1,000
Borrowed Amount
12 months
Repayment Term
29.82%
Sample APR
$94.56
Monthly Payment

*Rates and terms vary by lender and your situation. You'll see the exact details before choosing anything.

No spotless credit needed!

We partner with lenders who review a wide range of credit backgrounds.

Eligibility

Do I Qualify?

Plenty of people qualify, even without spotless credit.

  • You're 18 years of age or older
  • You want a short-term $250 to $3,000 loan
  • You need a small loan for near-term costs
  • You have an active checking account
  • You'd like to repay over 3–36 months
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No. Exploring your options with LendWave is completely free. There is no charge to submit a request, and you are never obligated to accept an offer.
No. Browsing your options will not impact your credit score. Lenders may run a soft credit check to gauge eligibility, which does not affect your credit rating.
Absolutely not. Reviewing offers is completely obligation-free. You decide if and when you want to move ahead.
Once a lender approves you, funds can arrive as soon as the same business day, depending on the lender and your bank.
LendWave links borrowers with lenders offering short-term personal loans, including options for surprise expenses, emergencies, or cash-flow gaps. Amounts, fees, and terms differ by lender.
Yes. Several lenders in our network consider applicants with less-than-perfect credit. Approval depends on the lender's criteria, not LendWave.
Yes. We use industry-standard safeguards to protect your personal and financial details. Your information is shared only with lenders to evaluate your request.
FAQ

Clear Answers To Common Questions

Everything you need to know before exploring your options.

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Checking loan options
Funds as quickly as 15 minutes3

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Free to use. No obligation to accept.

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