How Much Do You Need?
Pick the amount you need.
Not sure? Start with the smallest amount you can repay comfortably.
If you need up to $4,000
Small loans, different rules. When you need a few thousand dollars and have little or no credit history, the lenders that say yes work differently from banks. They charge a fee up front, and that fee is taken from the loan before the money reaches you. So $4,000 on paper is not $4,000 in your account. On the next page you test your own amount and see how big the gap is.
If you need up to $7,500
Your car can change the offer. Some lenders give a bigger amount or a lower rate if you use your car as collateral. Others lend without it. The trade is real: if you stop paying, the lender can take the car. We lay out both options side by side, so you can decide whether the savings are worth the risk.
If you need up to $10,000
A lower payment can cost thousands more. Spreading a loan over more months makes the monthly payment easier to fit in your budget. It also means more months of interest. We show the same $10,000 at three different terms, side by side, so you can see the price of the easier payment before you commit.
3 mistakes people make when choosing a loan on a tight budget
1. Looking only at the monthly payment. A small payment feels safe, but a longer term can add thousands in interest. Compare the total you repay, not just the payment.
2. Ignoring what is taken out first. Many lenders charge an origination fee and subtract it from the loan. Borrow $4,000 with a 10% fee and you receive $3,600, but you still repay $4,000 plus interest.
3. Not knowing what a rate check does. Many lenders let you see an offer with a soft pull, which does not change your score. A hard pull comes later and can lower it for a while. Ask which one you are about to trigger.
Each page above walks through these three points with real numbers.
Frequently asked questions
Are you a lender?
No. We are a publisher. We explain loans and link you to the lender. We may be paid when you use a link, and we say so on every page.
Will reading these pages affect my credit?
No. Our pages never check your credit. A lender may check your rate with a soft pull, which does not change your score. Each page explains when a hard pull can happen.
What if a lender says no?
It happens, and it is not the end of the road. Each page lists what to try next, including lower-cost options to check first.
Do I have to pick the amount that matches exactly?
No. Pick the closest amount. You can change it on the next page and see how the cost moves.
