Your dream.
Our commitment.
Request $100 to $5,000 in minutes. One secure form connects you with a nationwide network of licensed lending partners — even if your credit isn't perfect.
Secure 256-bit encrypted request. US Loan is not a lender and does not make credit decisions.
Why borrowers choose US Loan
Simple request
One short form — no paperwork, no branch visits, no waiting rooms.
Fast decisions
Lending partners review your request in minutes, not days.
Bad credit welcome
Partners consider income and stability, not only your credit score.
Bank-level security
Your data travels over 256-bit encryption and is never sold publicly.
How it works
Tell us what you need
Choose an amount between $100 and $5,000 and your purpose.
Share your details
Identity, income and bank details so partners can verify eligibility.
Get connected
We pass your request to our lender network and they contact you directly.
Know before you borrow
Short-term credit can help in an emergency, but it is expensive money. Read these four points before you accept any offer — from us or anyone else.
Borrow only what you can repay
Short-term loans are designed for urgent, temporary shortfalls — not long-term borrowing. Always compare the total repayment amount, not just the monthly payment.
Know your APR before you sign
Every lender must disclose APR, fees, and the due date. Read the agreement in full and ask questions before accepting.
Never pay an upfront fee
Legitimate lenders never ask for money before funding your loan. If someone requests a gift card or wire transfer to release funds, it is a scam.
Late payments cost more
Missing a due date can trigger fees, collections activity, and credit damage. Contact your lender early if you expect trouble repaying.
Frequently asked
Is US Loan a lender?
No. US Loan is a free connection service. We pass your request to licensed lending partners who make all credit decisions and set their own rates and terms.
Does requesting hurt my credit?
Submitting a request does not affect your credit score. A lender may run a full credit check before finalizing an offer.
How fast are funds available?
Approved borrowers are often funded by direct deposit as soon as the next business day, depending on the lender and your bank.
What do I need to qualify?
You must be 18+, a US resident, have a steady income source, an active checking account, and a valid email and phone number.