- Personal loans
- $100 – $5,000
- All credit types considered
Start your online request
$100 – $5,000 · funds as soon as the next business day, if approved
Encrypted with 256-bit SSL · a soft inquiry that won't affect your credit score · free to send
- Nothing to print or fax
- One request, one network of lenders
- A soft inquiry, not a hard pull
- Decide on your phone, in private
Direct deposit lands Friday. The bill landed today.
One online request for $100 – $5,000 goes to a network of lenders. EpayLoans is not a lender, and checking your options won't affect your credit score.
How the request moves
Request. Review. Reply.
Three screens on your phone. You write the first, lenders answer the second, and the last word is yours.
Fill the request
Amount, contact details and a few questions about how you are paid. A few minutes, encrypted end to end.
About three minutesLenders review it
Your request reaches a network of lenders and lending partners. Each one decides on its own terms, with nothing promised on its behalf.
Replies often in minutesRead the reply
If a lender makes an offer, the rate, fees and dates are written out first. Accept it, or close the tab with nothing owed.
If approved, as soon as the next business daySound like this week?
Paid on time. Still short on Tuesday.
- The electric bill auto-drafted a day early.
- Two shifts covered. The dentist still wants a deposit.
- Brake pads before payday. Of course.
- The bank app says pending. The landlord says now.
- Payday is the 15th. The card got declined on the 12th.
- Your sister already covered you once this year.
If one of those is yours, this page does one thing. One request, $100 – $5,000, sent to a network of lenders. Some lenders fund as soon as the next business day, if approved.
See my options
Made for a phone
No branch. No paper. No one across a desk.
The whole request happens on your screen. Lenders reply with their terms written down, so you read before you decide and nobody watches you fill in a form.
How the request travelsWhy EpayLoans
Built for the week the pay cycle doesn't cover.
EpayLoans is not a lender. It carries one request to lenders who answer in writing, and it never asks you to stand in a line to do it.
Written terms first
Every offer arrives with its rate, fees and repayment dates spelled out. You read it. Then you decide.
One form, not five tabs
You fill in one request. It travels to the network, so you are not retyping your life into lender after lender.
A soft look, not a hard pull
Checking your options is a soft inquiry. It won't affect your credit score, whatever you decide afterwards.
Before you ask
Three things worth knowing before you send it.
Soft credit check vs hard inquiry
What checking your options does to your score, and when a lender's fuller check happens.
Read the guide →DenialsWhat a bank's no actually means
Why small requests get declined, how to read the letter, and what to change before asking again.
Read the guide →TimingFrom accept to deposit: the real timeline
Cutoff times, weekends, bank posting hours and the parts of the clock you control.
Read the guide →Questions
Asked before the request, answered in full.
Is EpayLoans a lender?
No. EpayLoans is a connection service. Your request goes to a network of lenders and lending partners, and any offer comes from the lender, on the lender's terms. We do not make credit decisions.
How much can I request?
Between $100 and $5,000. The amount a lender offers can differ from the amount you asked for, and not every lender offers the top of the range.
Will checking my options affect my credit score?
No. Checking your options won't affect your credit score. If you accept a lender's offer, that lender may run a fuller credit check as part of its own process. Soft check vs hard inquiry, explained.
How fast could the money arrive?
That depends on the lender, the time of day you accept and your bank. Some lenders fund as soon as the next business day, if approved. Weekends and bank cutoffs can add a day. The full timeline.
What do lenders look at on a small request?
Mostly income and how it arrives: a regular deposit pattern, an active checking account, identity and residency, and whether the repayment fits the budget. Credit history is one input, not the only one.
What does EpayLoans charge me?
Nothing. The request is free and there is no obligation to accept an offer. Lenders compensate EpayLoans for the introduction, and that does not change the terms they offer you.
Declined somewhere else first? Why banks say no to small requests, and what to change.
Before you go
The request takes minutes. The reading is yours.
$100 – $5,000, sent once to a network of lenders. Free to check, nothing to sign until you choose to, and no one across a desk.