Personal loans · $100 to $5,000
Request your loan
$100 to $5,000, funds as soon as the next business day, if approved.
SSL · soft inquiry · free to request
- Free to request
- Checking won't affect your score
- One short form
- No obligation
Personal loans online, $100 to $5,000, when the paycheck is still days away
One short request goes to lenders in our network. Read the offer, then decide.
Three steps
Request
Fill in one short form.
Lender review
Lenders in our network decide whether to offer.
Your choice
Read the APR, fees and dates. Funds as soon as the next business day, if approved.
Days away from payday
- Rent due on the 1st.
- A pet emergency.
- A repair on your only car.
- Medicine that can't wait.
- Utility shutoff notice.
A free request can show what lenders may offer. No obligation.
Before you accept
- We're not a lenderPayCypress passes your request along.
- Clear termsLenders show every cost before you sign.
- Borrow carefullyShort-term loans cost more than most credit.
Answers
Will looking at my options hurt my credit score?
No. Looking at your options won't affect your credit score. When you send a request, lenders in our network may check your credit with the major or alternative credit bureaus, as described in the credit-check authorization at the bottom of this page.
What do I need to get started?
Usually you need to be 18 or older, have a regular income and a checking account in your name, and give a working email address and phone number. Some lenders ask for more.
How fast is the money?
As soon as the next business day, if a lender approves your request and you accept its offer. Weekends, holidays and your bank can add time.
Is approval guaranteed?
No. Each lender reviews your request and decides on its own. All credit types are considered, but no one can promise an approval.
Does PayCypress charge a fee?
No. Sending a request through PayCypress is free, and you're under no obligation to accept any offer you see.
Who decides the rate and terms?
The lender does. PayCypress isn't a lender and doesn't set rates. Before you accept, the lender shows you the APR, fees and payment schedule.