Is this safe? Is my information secure?

Yes, we take this seriously. Our initial eligibility check runs over a secure, encrypted (SSL) connection and asks only your state and a few yes/no answers — no name or financial details. If you pass, the loan request form itself is operated directly by our lending network, and the details you enter there go straight to them, not through us. Please read our Privacy Policy to see exactly how your data is handled.

Are you a lender?

No. We are not a lender and we do not make loan decisions. We run a short eligibility check, and if you pass, you complete the loan request directly with our third-party lending network. A lender decides whether to offer you a loan and sets the rate and terms.

What does it cost to use PlainPath Lending?

Submitting a request through our site is free. If a lender offers you a loan, that loan will have its own cost — interest and possibly fees — which the lender will show you before you accept. See our APR & Cost Disclosure page for details on how expensive short-term loans can be.

Will this hurt my credit score?

That depends on the lender. Some lenders may check your credit as part of their decision, and the type of check varies by lender. It’s the lender’s process, not ours — and we’ll never tell you ‘no credit check,’ because no honest service can promise that. If a lender makes you an offer, review their terms before you accept.

How fast will I hear back?

Many people get a lender decision very quickly, often within minutes of submitting the form. Speed depends on the lender and your details. We can’t promise an exact time.

Am I guaranteed to be approved?

No. No honest service can guarantee approval, and we never will. Approval is the lender’s decision and depends on your situation.

How much can I borrow?

That’s set by the lender, not by us, and it varies from person to person. We can’t promise any amount.

Do you serve my state?

We currently serve most US states — but not New York. See our States We Serve page for the current list.

What if I can’t repay on time?

Short-term loans are expensive and missing payments can make things worse. If you’re unsure you can repay on time, please think carefully before borrowing and consider other options first (see the note below).

Before you borrow, consider alternatives. A short-term loan is one of the most expensive ways to borrow. Depending on your situation, options like a payment plan with the company you owe, help from a local non-profit, or a credit-union loan may cost far less. Borrow only as a last resort, and only what you can repay.