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Tell us a little
Share how much you need and a few basics. It takes about two minutes, no documents required to start.
Lenders in our network · Funding times set by the lender
Need a little cash before your next paycheck?
One free request reaches lenders who may help with $200 to $5,000.
- 🔒 Bank-level encryption
- from borrowers across many states
- ✅ Soft check only
Check my rate now
No obligation · 100% free
Featured network partner of
FinTrustRateHubLendIQCapitalOne-Network
Clear lines, clear terms from lenders.
Check your options
Simple by design
Three steps. Two minutes.
No paperwork, no branch visits. Just a clean path from question to cash.
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Get matched instantly
Our engine compares offers across Lenders in our network in real time and surfaces the ones that fit you best.
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Get funded fast
Pick your favorite offer and finish with the lender. Approved funds can land on the lender's timeline.
Built for real people
Everything working in your favor
Transparent terms, real protection, and a network that actually competes for you.
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Soft credit check only
See your real rate without any hit to your credit score.
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Rates from 5.99% APR
Competitive offers across the network for qualified borrowers.
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No prepayment penalty
Pay early and save on interest, never get charged for it.
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All credit types welcome
Fair and rebuilding credit? Lenders in our network still work with you.
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Bank-level security
256-bit encryption protects every field you submit, end to end.
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One form, many offers
Apply once and compare multiple personalized offers side by side.
Estimate it
See your monthly payment
Move the sliders to get a quick estimate. Final terms depend on the lender and your profile.
Estimated monthly payment
$193
Total repaid: $11,580
Questions people ask before they start
Does FundsLattice lend the money itself?
No. FundsLattice is not a lender and does not make credit decisions. Your request goes to participating lenders; whoever responds decides and sets the terms.
What is the range I can ask for?
Requests generally run from $200 to $5,000. Not every lender offers the top of the range, and the amount you are offered depends on the lender, your state and your situation.
Will this show up on my credit report?
Sending the request does not change your score. A lender may run its own credit check as part of considering your request, which can involve the major bureaus.
How fast could money arrive?
If a lender approves you and you accept, funds are often sent as soon as the next business day. Timing depends on the lender and your bank.
What information do I need to have ready?
Basic details about you, your income and your checking account. Applicants must be 18+ and US residents in a participating state.
Is there a fee to use FundsLattice?
Nothing. We are paid by lenders and partners. Loan rates and fees come from the lender and are disclosed before you sign.
Your rate is waiting
Check it in two minutes, free, no obligation, and no impact to your credit.
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