Send Your Today Cash Request in About Five Minutes

Keep a government-issued photo ID, a recent pay stub or benefits letter, and your bank login or a recent statement nearby. Lenders may ask for them after you accept an offer, and quick replies help avoid delays.

• Photo ID: a driver's license, state ID card or passport that is not expired.
• Proof of income: a recent pay stub, benefits award letter, or bank statements showing regular deposits if you are self-employed.
• Bank access: some lenders confirm your account through a secure bank login; others accept a statement or a voided check.
• Proof of address: occasionally requested if the address on your ID is out of date, such as a utility bill or lease.

If you hope to get cash today or by the next business day, gather these before you start. A lender cannot release funds until it has finished its own checks, and the clock often stops while it waits for a missing document. Clear phone photos usually work, as long as all four corners are visible and the text is readable.

Basic eligibility varies by lender, but most look for an age of 18 or older (19 in Alabama and Nebraska), a US address, a checking account in your name and steady income. Our eligibility page explains each requirement.

Offers for personal loans in this range usually run from $500 to $5,000, over 6 to 36 months, at about 8% to 35.99% APR. Your actual terms depend on the lender, your credit, your income and your state.

Credit tier has the largest effect on price. As a rough guide, excellent credit (720 to 850) often sees about 8% to 16% APR, good credit (690 to 719) about 14% to 22%, fair credit (630 to 689) about 18% to 30%, and scores below 630 about 25% to 35.99%. The rates page explains what else moves the number.

Three hand-offs happen after you press submit, and none of them runs on our schedule. The lender reviews the request, often reaching a decision within minutes; you read and sign the agreement; then the lender's payment process and your bank's posting cycle move the deposit, which commonly arrives the next business day and sometimes the same day. A weekend, a bank holiday or a request for an extra pay stub can add days.

Not every today cash request receives an offer. If no lender in the network can help, you will see a message saying so. That result does not appear on your credit report, and you can look at other options such as asking the company you owe for a payment plan or borrowing a smaller amount later.

Compare the APR, monthly payment, total repaid, origination fee and term of each personal loan offer side by side. The lowest monthly payment is not always the cheapest loan, because a longer term adds interest.

1. APR first. For offers of the same length, the lower APR is cheaper, because APR includes interest and certain fees.
2. Total repaid. Multiply the monthly payment by the number of months. A $2,000 loan at 27.99% APR costs about $2,316.00 over 12 months but about $2,634.48 over 24 months.
3. Amount deposited. If the lender takes an origination fee from the loan, you receive less than you borrow. Make sure the deposit still covers what you need.
4. Payment flexibility. Check whether you can choose or move the due date and whether early payoff carries a fee.
5. Lender reputation. Look the lender up with your state regulator and in the CFPB complaint database before you sign.

Take your time even if you need cash today. An offer usually stays open for a few days, and reading the full agreement takes only a few minutes. Our guide to comparing personal loan offers side by side has a worksheet-style walkthrough, and the compare lenders page explains what sets lenders apart.

Your request travels over an encrypted connection and is shared only with lenders and service providers that help process it. We never sell your Social Security number or bank details to unrelated marketers.

Lenders in the network receive the details they need to review your request and, if they choose, make an offer. Service providers such as hosting, identity and fraud-prevention tools handle data on our behalf under contract. The privacy policy lists every category of recipient and explains your choices, including how to ask us to delete your data.

You may receive emails or texts from lenders after you submit. You can reply STOP to any text or use the unsubscribe link in an email. If anyone contacts you claiming to be us and asks for an upfront fee, a gift card or a wire transfer, do not pay; legitimate lenders include their fees in the loan terms.

A personal loan can make sense for a one-time cost with a clear payoff plan, such as a car repair or a medical bill. It is a poor fit for covering recurring shortfalls every month.

Before you submit, ask yourself whether the monthly payment will still fit if your hours drop or a bill arrives early. If the answer is shaky, a shorter term on a smaller amount, a payment plan from the provider, or help from a local assistance program may serve you better. When the numbers do work, a today cash request is free, takes about five minutes and leaves the final decision with you.

Questions about the form, your data or the network go to our team at (888) 865-2332 or through the contact page. Questions about a specific offer, balance or deposit go to the lender named in your agreement.