Lending Gates connects you with lenders and lending partners across the country offering personal loans from $100 to $5,000. Tell us one thing — your email — and we'll take it from there.
No paperwork to print, no branch to visit. The whole request happens on this screen.
Start with the one-field form above. It takes about ten seconds and doesn't affect your credit score.
We'll route you to a short form so lenders and lending partners in our network can review your request and your state's requirements.
If a lender in our network can help, you'll review their rates, fees, and terms directly with them before agreeing to anything.
Every request funnels through the same $100–$5,000 network — here's how people typically use it.
Instead of applying to lender after lender, your request goes out to our network at once.
Lenders in our network evaluate more than a credit score, so a request is worth submitting even with less-than-perfect credit.
Lending Gates never makes a lending decision. If a lender responds, you review their offer and decide for yourself.
No. Lending Gates is not a lender and does not make credit decisions. We operate a website that connects your request with lenders and lending partners in our network. Any loan offer, its rates, fees, and terms come directly from the lender, not from Lending Gates.
Submitting your email on this site is free and does not affect your credit score. A lender in our network may later perform a credit check as part of reviewing your request — they'll disclose that to you directly before you agree to anything.
Many requests are routed to lenders within minutes. How quickly you receive funds, if approved, depends entirely on the lender you're matched with.
Loan products and lender availability vary by state, and this service is not offered everywhere. Your state of residence is confirmed on the next step of the request.
That depends entirely on the lender you're connected with. See our Rates & Fees page for representative ranges before you start.
Yes. Lending Gates is a real referral service, not a lender — we connect your request with lenders and lending partners in our network, and we're upfront that we're compensated by those lenders for the referral (see our Advertising Disclosure). We publish representative rate ranges before you apply, disclose exactly how the process works on our About Us page, and never charge you a fee to use the Site. As with any lender or loan-matching service, we'd still encourage you to review any offer's full terms — APR, fees, and repayment schedule — directly with the lender before accepting it. See Why Choose Us for more on how we operate.