05:00About 5 minutes · Free to request
Personal loans from $500 up to $50,000
One short, secure form. We share it with lenders in our network who may be able to help.
- Encrypted connection
- All credit types welcome
- No cost to use this site
Your requestHow it works
Three simple steps
One short form, then we try to connect you with a lender. You always see the terms before you agree to anything.
About 5 minutes
Submit your request
Fill out one short, secure form with a few details about you, your income and your bank account.
Right after you submit
Get connected with a lender
We send your request to lenders and lending networks we work with. If one accepts it, we take you to their website.
You decide
Review the terms
If a lender makes you an offer, you see the APR, fees and payments before you sign. You never have to accept.
Free to request · No obligation to accept
Every credit profile
Good credit, fair credit or still building it
Lenders look at more than just a credit score. Income, employment and banking history can all play a part, so it can be worth checking your options even if your credit is not perfect.
- Any credit history can request
- Lenders set rates and terms
- Free to check your options
All credit types can request
Each lender makes its own decision. Approval is never guaranteed.
What you will need
Have these ready and the form goes even faster.
- At least 18 years old (older in some states)
- U.S. citizen or permanent resident
- Regular source of income
- Bank account in your name
- Valid email and phone number
What could a loan cost?
We are not a lender and do not set rates. These examples show how the interest rate, fees and term change what you repay.
| Loan amount | Term | Interest rate | Origination fee | APR | Monthly payment | Total repaid |
|---|---|---|---|---|---|---|
| $1,000 | 12 months | 22.99% | 3% ($30) | 28.97% | $94.07 | $1,128.86 |
| $3,000 | 24 months | 19.99% | 4% ($120) | 24.28% | $152.67 | $3,664.12 |
| $10,000 | 48 months | 14.99% | 3% ($300) | 16.67% | $278.26 | $13,356.31 |
Examples only, not an offer. The fee is taken from the loan amount, so APR is higher than the interest rate. Your APR, fees and term are set by the lender and depend on your credit, income and state. They may be higher or lower than these examples, and some lenders, especially for short-term loans, charge APRs above 36%. Always review the lender's terms before you accept.
Get answers before you borrow
Short, plain-English guides on costs, credit checks and your options.
Personal loans
Eligibility, costs, repayment and rules by state.
Personal loans for bad credit
What lenders look at, costs and alternatives.
Installment loans online
Monthly payments and the true cost of a longer term.
Same day loans
What decides how fast an emergency loan is funded.
$500 loans
The cheapest ways to borrow a small amount.
Payday loans online
How they work, what they cost and safer options.
FAQ
About your loan request
Straight answers about how 5MinutesLoan works, what it costs and what happens to your information.
One request. Real options. Your decision.
It takes about five minutes and it is free. If a lender makes you an offer, you review it before you commit to anything.
Important disclosures
Please read these before you submit a request.
- 01
We are not a lender
5MinutesLoan is owned by Adon Media Group LLC We do not make loans or credit decisions. We provide a matching service that may send requests to lenders and lending networks.
- 02
How we are paid
Partners may pay us for requests. Compensation and partner acceptance may influence routing. We do not compare every lender or promise the lowest rate, best terms or most suitable offer.
- 03
Rates and terms
APR, fees and repayment terms are set by each lender and depend on your credit, income, state and the loan. Some lenders, especially for short-term loans, charge APRs above 36%. Review all terms before you accept.
- 04
Credit checks
Lenders may verify your information and check your credit with one or more consumer reporting agencies, including alternative providers.
- 05
State availability
Not all lenders operate in every state, and loan amounts and products may be limited where you live.
- 06
No guarantee
Submitting a request does not guarantee you will be matched with a lender or receive an offer or loan.
- 07
Short-term loan notice
Short-term loans are meant for short-term financial needs and are not a long-term solution. Late or missed payments can lead to extra fees and may affect your credit.