We are not a lender
We do not underwrite, we do not fund, we do not set rates, and we do not make credit decisions. Every one of those belongs to the lender you end up dealing with.
Free No obligation to accept any offer
One short form. A whole network of lending partners.
For anyone who would rather not fill in six separate applications and watch the inquiries stack up on their credit file. Describe what you need once and we route that request only to the partners whose stated criteria it actually fits.
- About two minutes
- You choose whether to proceed
- Never a fee to you
Guided match
Step 1 of 3
Describe it once, we do the sorting
Your request so far
- PurposeDebt consolidation
- Amount$5,000 - $15,000
- CreditGood
- StageNot set yet
- StateNot set yet
Every answer narrows the set of partners a request like yours could be routed to. Nothing here is sent anywhere — it is a walkthrough of the real form.
One form
Instead of a separate application at every lender you are curious about.
Minutes
Routing happens as soon as you submit, not on a business-day queue.
Your call
A match is an introduction. Accepting anything is entirely up to you.
$0 to you
Partners pay us. You are never billed for using the service.
How it works
Three steps, and you stay in control of all of them
There is no mystery to what we do. Here is the whole process, start to finish.
1
You describe the request
Amount, purpose, rough credit position, income, and where you live. That is enough for a partner to say whether you are inside their box before anyone pulls anything.
2
We route it to who fits
Every partner tells us what they will and will not look at — states served, amount ranges, credit bands, income floors. We only send your request where it clears those rules.
3
You compare and decide
Interested partners come back to you directly with what they can do. You read the terms, compare them, and either accept one or accept none.
Why a network
Lenders are not interchangeable, and that is the point
Two lenders can look at the same file and reach opposite conclusions. One caps its unsecured amounts well below what you asked for. One will not write in your state. One weighs how long you have been at your job more heavily than the score itself. None of that is visible from the outside, which is why applying one at a time is such a poor use of your effort.
A network turns that guesswork into a routing problem. We hold each partner's stated criteria and check your request against all of them at once.
- Breadth without the busywork. One submission reaches every partner your request qualifies for.
- Fewer dead ends. We do not forward your request to a partner who has told us they cannot serve it.
- Comparison in one sitting. Offers arriving close together are far easier to judge against each other.
What we are, plainly
The parts people usually have to ask about
Matching services have a reputation for being vague about their own business model. We would rather put ours on the homepage.
Partners pay us, you do not
Our revenue comes from the partners in the network when we send them a request that fits what they asked for. There is no consumer fee, ever, at any stage.
Your details go where you send them
We share what you submit with the partners your request is routed to, so they can respond. We do not sell it on into open marketing lists. The privacy policy spells out the specifics.
A match is not an approval
Being routed to a partner means your request cleared their basic criteria. It is the start of their process, not the end of it, and they can still decline.
Rates are never ours to quote
Anyone showing you a rate before a lender has looked at your file is guessing. We will not put a number in front of you that we cannot stand behind.
Walking away costs nothing
Submitting a request creates no obligation. If nothing that comes back is worth signing, the correct answer is to sign nothing.
Guides
Understand the process before you start it
Written for people who want the mechanics, not a sales pitch.
How lender matching works end to end
What happens between hitting submit and a partner getting in touch, including where the soft-versus-hard inquiry line actually sits.
Read the guideWhat affects the offers you see
Credit history, income and stability, the amount and term you ask for, your state, and the simple fact of which lenders are lending this month.
Read the guideComparing offers without hurting your credit
Soft pulls, hard pulls, rate-shopping windows, and how to line up several offers without leaving a trail of inquiries behind you.
Read the guideQuestions to ask before accepting
The nine questions that separate an offer you understand from one you will regret, and what a good answer sounds like.
Read the guide
Questions
Straight answers
Does submitting a request affect my credit score?
Submitting the request itself does not. What can affect your score is a hard inquiry, and that only happens when a lender you have chosen to move forward with formally checks your credit as part of their application. Some partners run a soft check first to decide whether to make you a preliminary offer, and soft checks are invisible to your score. Before you authorise anything, ask which kind of check is about to happen.
How many partners will contact me?
It depends entirely on how many your request qualifies for, which we cannot know before you submit it. A request that sits comfortably in the middle of the market may reach several partners. A request at the edges — an unusual amount, a thin file, a state with few participating lenders — may reach one, or none. We would rather tell you that up front than promise a number we cannot control.
Do you guarantee I will be approved?
No, and nobody honestly can. We do not make credit decisions and we have no ability to override one. Anyone in this industry guaranteeing approval before a lender has seen your file is either being careless with language or is not worth your time.
What does it cost me?
Nothing. There is no fee to submit a request, no fee to be matched, and no fee if you accept an offer. We are compensated by the partners in the network. Separately: a legitimate lender does not ask you to wire money or buy gift cards in order to release a loan. If you are ever asked for that, it is a scam, and it is not one of our partners.
Can I use this if my credit is rough?
You can submit a request. Whether it gets matched depends on which partners currently serve that credit band in your state. Be aware that offers available at the lower end of the credit range tend to carry materially higher rates and shorter terms, and that the cost of a bad loan can outrun the problem it was meant to solve. Our guide on what affects the offers you see covers this honestly.
How do I stop hearing from you?
Email [email protected] and ask, or use the unsubscribe link on any message we send. If a partner you were matched with is contacting you, you will need to opt out with them directly as well, since they hold their own record of your request. Tell us either way and we will note it on our side.
Ready when you are
See what the network comes back with
Two minutes to describe what you need. No fee, no obligation, and no pressure to accept anything that does not make sense for you.
Lending Solution Network is a matching and information service. We are not a lender, we do not make credit decisions, and we never charge you a fee.