Personal loans · $100 to $5,000
Check what lenders may offer
$100 to $5,000. If approved, funds as soon as the next business day.
Encrypted · soft inquiry only to check · no fee
- All credit types considered
- Checking won't affect your score
- No obligation
- Not a lender
Personal loans online from $100 to $5,000, before the bills get ahead of you
One request lets lenders in our network review it. You see the terms before anything is final.
When the month gets steep
- The landlord wants rent by the 1st.
- A brake job you can't skip.
- The phone bill is past due.
- Childcare costs went up.
- An urgent care visit last week.
A free request shows what lenders in our network may offer. You can always walk away.
The view before you sign
- We connect, we don't lendRidgeRates passes your request on. Lenders decide.
- Every cost shownLenders show the APR, fees and dates up front.
- Your choiceSaying no to an offer costs nothing.
Three steps up
Simple, and you stay in charge at each one.
- 1
Request
Fill in the short form with the amount you need.
- 2
Review
Lenders in our network look at your request.
- 3
Decide
Read the APR, fees and dates. Accept only if it works. Funds can arrive as soon as the next business day, if approved.
Questions people ask
How does RidgeRates work?
You fill in one short request and we share it with lenders in our network. If a lender can make you an offer, you see its terms on the lender's own page and decide whether to accept.
Does checking my options affect my credit score?
Checking your options won't affect your credit score. Lenders may check your credit, including with alternative credit bureaus, when they review your request, as the credit-check authorization in our disclosures explains.
Can I get a loan if my credit isn't perfect?
You can send a request with any credit history, and all credit types are considered. Approval is never guaranteed, and your history can change the terms a lender offers.
How much could I borrow?
Requests run from $100 to $5,000. A lender may offer less than you ask for, depending on your income, its review and your state.
When would I get the money?
If you're approved and accept an offer, the money can arrive as soon as the next business day. The exact timing depends on the lender and your bank.
What should I check before I accept?
Read the APR, the total you'll repay and the payment dates. Short-term loans cost more than most credit, so borrow only what you can pay back on time.