Will applying affect my credit score?
No. Our matching process uses a soft credit inquiry which does not affect your credit score. A hard inquiry only occurs if you accept a specific lender's offer and proceed with their loan.
How fast can I get funds?
Once approved by a lender, funds can be deposited into your bank account as soon as the next business day. Exact timing depends on your lender and bank.
What credit score do I need?
Our network includes lenders who accept all credit types — excellent, good, fair, and poor. Even if you have bad credit, we may still be able to match you with an offer.
Is my personal information safe?
Yes. We use 256-bit SSL encryption to protect every piece of data you submit. We never sell your information outside of the lending network you're matched with.
How much can I borrow?
Loan amounts range from $100 to $5,000 depending on your state, income, and the lender's specific requirements.
What do I need to qualify?
You must be 18+, a U.S. citizen or permanent resident, have a checking account with direct deposit, and receive at least $1,000/month in income.
What states do you not serve?
We do not currently serve residents of New York (NY). Additional state restrictions may apply based on the specific lender.
Are there any fees?
GetFundsNow is 100% free to use. We never charge fees. Lenders may charge fees or interest on the loan itself, which will be disclosed in their terms.
What if I have a problem with my lender?
Once you're matched with a lender, all loan-related matters are handled directly between you and the lender. If you have concerns, contact our support team and we'll do our best to help.
How do I opt out of communications?
You can reply STOP to any SMS message, click the unsubscribe link in any email, or contact us at support@getfundsnow.online.
Can I apply if I'm self-employed?
Yes! We work with lenders who accept self-employed applicants. Just select "Self-employed" as your income source when applying.
Can I apply if I receive benefits?
Yes. If you receive regular benefits (Social Security, disability, etc.), you may qualify. Select "Benefits" as your income source.