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Our Loan Process
With our simple online loan application process, we can connect you with lenders from our network or another third-party lender network that might be able to offer you a loan. We can also use the information to market other credit-related products and services to you, including debt relief, credit repair, and credit monitoring. In addition to personal loans, some of our lending partners may offer lines of credit or other types of loans.
Lenders or lending partners will make a decision on whether or not to grant you a loan shortly after examining your loan request information, and will invite you to submit an application with them on their website based on the information supplied. If you’re authorized, you’ll be taken to a loan agreement with terms and conditions, including the amount you’ll have to pay back and how long you’ll have to pay it back. Before accepting an offer, make sure you understand the essential parts of your loan agreement, such as the loan interest rate and payback conditions.
If a lender is able to make you an offer and you accept, the funds may be deposited directly into your bank account within 24 hours. Terms and conditions apply.
Fees and repayment terms are entirely negotiated between you and the lender, and if you have any questions about those terms or fees, please contact the lender directly.
RadCred® is not a lender.
Frequently Asked Questions
Filling up a form and submitting your information through our online marketplace is free. If a lender decides to cooperate with you, they will pay us to put you in contact with them. We don't get any information as a marketplace that allows us to analyze or compare bids from possible lenders.
Use your funds for anything you need, including one-time special occasions like weddings and holidays, unforeseen needs like auto repairs and emergency medical expenses, and nearly anything else.
If you accept a loan offer from a lender straight away, the money might be put directly into your account in as little as 24 hours. Accepting a loan offer on a weekend, holiday, or other non-business day may effect how quickly you receive your funds; in these circumstances, it could take a little longer.
Even if you are married, all information you supply (including your income and housing expenses) should be specific to you as an individual. If you pay half of your monthly housing payment, for example, only include your share of the payment, not the entire amount paid by you and your spouse/partner. If you add your spouse or partner as a co-signer to your application, they will report their income and expenses separately on their Credible co-signer profile.
Lenders in our network, as well as those in our network's other third-party lender networks, may undertake a "soft" and/or "hard" pull. A "soft" pull is typically performed first, followed by a "hard" pull later in the loan process. Our lenders may conduct many credit pulls.
Because our lenders offer a range of loan options based on a variety of circumstances, we are unable to provide projected rates or APRs. A gist of everything can be seen on our How It Works page.
The loan amount offered is determined by a number of criteria and might vary significantly. The exact amount a consumer can qualify for is determined by the lenders in our network based on a variety of variables.
Our simple form takes five minutes to complete and you could have the money you need from a lender in as little as 24 hours*