Find the Financing That Fits Your Needs
Explore personal and business financing options through GetMoney.com's network of lending partners. Start with a simple online request and explore your available options
What Are You Looking For?
Choose the type of financing you need to explore available options through GetMoney.com
Personal Financing
Explore financing options for personal expenses, debt consolidation, unexpected emergencies, and other personal financial needs.
Get Personal FinancingNo upfront fees. No obligation to accept an offer.
Business Financing
Explore financing options for working capital, business expansion, equipment financing, inventory, and other business needs.
Get Business FinancingNo upfront fees. No obligation to accept an offer.
How It Works
Getting started is simple. Tell us what you need, explore available financing options, and choose the option that works for you.
Tell Us About Your Needs
Complete a simple online request with basic information about your personal or business financing needs.
Explore Your Options
Your request can be reviewed by lending partners that may have financing options available to you.
Review Available Terms
Review the financing offers and terms you receive and decide whether an available option works for you.
Receive Your Funds
If you are approved and accept an offer, funds will be deposited directly into your account.
The GetMoney.com Advantage
A simple way to explore financing options with a process designed around your needs.
Fast & Simple Process
Request financing online in minutes with a simple, hassle-free online forms
No Upfront Fees
There are no fees and costs through GetMoney.com
All Credit Types Welcome
All personal and business credit profiles are welcome.
Personalized Service
Get support throughout the process from people focused on helping you
Find the Financing You Need
Explore financing options for personal expenses, business needs, and other financial goals through GetMoney.com's network of lending partners.
Personal Loans
Borrow for personal expenses, debt consolidation, home repairs, unexpected costs, and other financial needs.
Explore Personal LoansInstallment Loans
Get a fixed payment schedule with flexible terms designed for larger personal expenses.
Explore Installment LoansPayday Loans
Short-term cash advances for urgent expenses, with loan options based on your financial situation.
Explore Payday LoansBusiness Loans
Financing options to help fund working capital, business expenses, expansion, and growth.
Explore Business LoansEquipment Financing
Finance new or upgraded equipment to help your business operate, grow, and stay competitive.
Explore Equipment FinancingMerchant Cash Advance
Access business capital based on future sales, with options designed around your business revenue.
Explore Merchant Cash AdvanceFinancing Made Simple
GetMoney.com helps you explore available financing options through a network of lending partners, with a simple online process and no upfront fees.
Simple Online Process
Start with a simple online request that takes just minutes to complete. Provide basic information about your financing needs and let us help you get started.
Multiple Financing Options
Your request may be reviewed by lending partners that offer different financing products and terms based on your needs and financial profile.
A More Personal Approach
We are focused on providing a platform for consumers and business owners to explore financing options quickly with confidence.
Get a Personal Loan Online with GetMoney.com
Explore online personal loan options for everyday expenses, unexpected costs, debt consolidation, home repairs, and other personal financial needs through GetMoney.com's network of lending partners.
No Upfront Fees • No Obligation • All Credit Types Welcome
What Is a Personal Loan?
A personal loan is a type of financing that can be used for a variety of personal expenses. Most personal loans are unsecured, meaning you generally do not need to pledge a home, vehicle, or other collateral to qualify.
When reviewing a personal loan request, lenders may consider factors such as credit history, credit score, income, existing debt, debt-to-income ratio, and other financial information.
How Much Can You Borrow With a Personal Loan?
Personal loan amounts vary by lender and borrower. Through the lending options available through GetMoney.com, personal loan amounts may range from $100 to $35,000.
The amount you may qualify for depends on the lender's requirements, your financial profile, and the terms of the financing option available to you.
What Interest Rate Can You Get on a Personal Loan?
Personal loan interest rates and APRs vary by lender and borrower. Factors that may affect the rate offered include credit history, credit score, income, debt-to-income ratio, loan amount, repayment term, and other underwriting criteria.
Before accepting a loan offer, review the annual percentage rate (APR), interest rate, finance charges, repayment schedule, monthly payment, total cost of the loan, and any applicable fees.
Important: There is no single personal loan rate or term that applies to every borrower. The lender determines the specific terms of any offer you receive.
What Can a Personal Loan Be Used For?
Personal loan funds may be used for a variety of personal financial needs. Common uses include:
- Debt consolidation
- Home repairs and improvements
- Medical and unexpected expenses
- Large purchases
- Moving and relocation expenses
- Emergency or unplanned expenses
- Other personal financial needs
Key Features of Personal Loans
- Flexible loan amounts: Available loan amounts can vary by lender, with options through GetMoney.com ranging from $100 to $35,000.
- Unsecured financing: Most personal loans do not require collateral.
- Regular payments: Personal loans are generally repaid through scheduled payments over an agreed repayment period.
- Flexible repayment terms: Repayment periods vary depending on the lender, loan amount, and loan program.
- Multiple uses: Personal loan funds can be used for a range of personal expenses rather than one specific purchase.
What Are the Benefits of Getting a Personal Loan Online?
An online personal loan request can be completed from a computer or mobile device without visiting a traditional branch.
An online request can also make it easier to explore available financing options. If you receive an offer, you can review the terms and decide whether the payment and total cost fit your budget before accepting it.
Can You Get a Personal Loan With Bad Credit?
Borrowers with a range of credit profiles are welcome to request financing through GetMoney.com.
Having bad credit does not necessarily mean you cannot qualify for a personal loan. However, each lender has its own eligibility requirements and underwriting standards.
Credit history and credit score may be considered along with income, existing debt, debt-to-income ratio, and other financial information.
If you receive an offer, the lender determines the loan amount, interest rate, APR, repayment term, fees, and other applicable terms.
What Do You Need to Apply for a Personal Loan?
The information required varies by lender. When you submit a request through GetMoney.com, you may be asked for basic information about your identity, income, employment, and financial situation.
Providing accurate information can help lending partners evaluate your request and determine whether financing options may be available to you.
How Does an Online Personal Loan Work?
The process starts with a simple online request. After you provide information about your financing needs and financial situation, your request may be reviewed by lending partners that offer personal loan options.
If you receive an offer, review the loan amount, APR, interest rate, payment, repayment term, fees, and total cost. You can then decide whether the available financing works for you.
If you are approved and accept an offer, the lender will provide information about funding and when you can expect to receive the money. Funding times vary by lender and individual circumstances.
Why Request a Personal Loan Through GetMoney.com?
GetMoney.com has been a source for online financing options since 2003. We make it easier for consumers to explore personal loan options through a network of lending partners.
- No upfront fees to submit a financing request
- No obligation to accept a loan offer
- Personal loan options for a range of credit profiles
- Simple online request process
- Personal loan options from $100 to $35,000
Payday Loans: A Short-Term Financing Option
When an unexpected expense comes up between paychecks, a payday loan may be one short-term financing option to consider. GetMoney.com lets you submit an online request and explore available payday loan options through our network of lending partners.
What Is a Payday Loan?
A payday loan is a short-term loan generally designed to help cover an unexpected expense until your next paycheck or another agreed repayment date. Payday loans are typically smaller than traditional personal loans and generally have shorter repayment periods.
Payday loan availability, loan amounts, fees, repayment terms, and other requirements vary by state and lender. In states where payday lending is permitted, available loan amounts may commonly range from $100 to $1,000, although the amount available to you can depend on state law, lender requirements, income, and other factors.
When Might a Payday Loan Be Used?
Payday loans are generally intended for short-term financial needs, rather than long-term borrowing. Someone may consider a payday loan when an unexpected expense occurs and they need a short-term source of funds.
Common examples may include an unexpected bill, emergency expense, necessary repair, or other expense that cannot easily wait until the next paycheck.
How Much Can You Borrow With a Payday Loan?
Payday loan amounts vary by state and lender. Through the financing options available through GetMoney.com, payday loan requests may be available from $100 to $1,000.
State laws can limit the amount a lender may offer, as well as the fees, loan term, repayment method, and other conditions. Before accepting a payday loan, review the terms provided by the lender and make sure you understand the total amount you will be required to repay.
For an overview of payday lending laws by state, see the National Conference of State Legislatures .
Do You Need Good Credit for a Payday Loan?
Payday lenders may have different credit and eligibility requirements than traditional lenders. Some payday loan programs may be available to borrowers with less-than-perfect credit, but approval is never guaranteed.
Lenders may consider information such as income, employment, banking information, state of residence, and other eligibility requirements when reviewing a payday loan request. Requirements vary by lender and applicable state law.
How Does a Payday Loan Work?
- Submit an online request: Provide basic personal and financial information through the online request form.
- Review available options: Your request may be reviewed by lending partners that offer payday loan products in your state.
- Review the loan terms: If you receive an offer, review the loan amount, fees, repayment date or schedule, and total repayment amount before accepting.
- Accept the offer if it works for you: You are under no obligation to accept a financing offer.
- Receive your funds: If you accept an offer and complete the lender's requirements, the lender will provide information about funding and when the money will be deposited.
- Repay the loan: Repayment is made according to the schedule and terms provided by the lender.
How Quickly Can You Receive Payday Loan Funds?
Funding times vary by lender, approval status, banking institution, and other factors. Some approved borrowers may receive funds as soon as one business day after completing the lender's requirements.
Because funding is not guaranteed on a specific timeline, review the lender's funding information before accepting an offer if you need money by a particular date.
What Should You Consider Before Getting a Payday Loan?
Payday loans are short-term financing products and can have higher costs than some other types of borrowing. Before accepting an offer, consider whether the repayment amount fits comfortably within your budget.
Make sure you understand:
- The amount you will receive
- The finance charge and other applicable fees
- The annual percentage rate (APR), where applicable
- When the payment is due
- The total amount you will repay
- What happens if you cannot repay on time
- Any additional terms or conditions imposed by the lender
Why Request a Payday Loan Through GetMoney.com?
GetMoney.com provides a simple way to request payday loan options online through a network of lending partners. We are not a direct lender. If a lending partner makes an offer, that lender determines the available loan amount, fees, rates, repayment terms, and eligibility requirements.
- Simple online request process
- Options for a range of credit profiles
- Payday loan options from $100 to $1,000
- No upfront fees to submit a financing request
- No obligation to accept a loan offer
Payday Loan Terms and State Regulations
Payday lending laws vary significantly from one state to another. Some states restrict or prohibit payday loans, while others establish limits on loan amounts, fees, repayment periods, or other terms. The availability of a payday loan through GetMoney.com therefore depends on your state and the requirements of participating lenders.
Always review the final terms provided by the lender and make sure the loan complies with the laws applicable to you.
Online Business Financing for Your Business
Explore business financing options for working capital, equipment, expansion, inventory, and other business needs through GetMoney.com's network of lending partners.
No Upfront Fees • No Obligation • Financing Options for a Range of Businesses
What Is Business Financing?
Business financing provides capital that a business can use for operating expenses, working capital, equipment, expansion, inventory, or other business needs. Different financing products have different structures, costs, qualification requirements, and repayment terms.
GetMoney.com connects businesses with financing options through a network of lending partners. The lender or financing provider determines whether you qualify and sets the specific amount, rate or factor, fees, repayment structure, and other terms.
What Types of Business Financing Are Available?
The right type of business financing depends on what you need the money for, your business's financial situation, and the requirements of the financing provider. Business financing options may include:
Working Capital Financing
Financing that can help a business manage operating expenses, cash-flow needs, inventory, or other short-term business needs.
Merchant Cash Advance
Alternative business financing generally structured around future business revenue or receivables rather than a traditional business loan.
Equipment Financing
Financing used to purchase or acquire business equipment and other qualifying assets.
Business Expansion Financing
Financing that may be used for growth-related expenses such as a new location, equipment, inventory, hiring, or improvements.
How Much Business Financing Can You Get?
Business financing amounts vary by product, lender, business qualifications, revenue, financial history, intended use of funds, and other factors.
Through the business financing options available through GetMoney.com, businesses may have access to financing amounts ranging from thousands of dollars to substantially larger amounts, depending on the financing program and provider.
The amount you qualify for is determined by the financing provider after reviewing your business and financial information.
How Quickly Can You Get Business Funding?
Business financing can have different application, approval, and funding timelines depending on the financing product and provider.
Some businesses may receive funding in as little as 2 business days after approval and completion of required documentation. Funding is not guaranteed and timing can vary based on the provider, the financing program, the business, and other requirements.
Important: A fast funding timeline does not mean every business will receive financing within two days. Review the provider's requirements, terms, fees, repayment structure, and funding conditions before accepting an offer.
What Is a Working Capital Loan?
Working capital financing is used to help a business manage its day-to-day financial needs. Depending on the financing product, working capital may be used for expenses such as inventory, supplies, payroll, operating expenses, or other business costs.
Working capital financing can be structured in different ways, including business loans or lines of credit. The available structure, amount, cost, and repayment terms depend on the lender or financing provider.
What Is a Merchant Cash Advance?
A merchant cash advance, commonly called an MCA, is a form of alternative business financing. Generally, an MCA provider provides funds to a business in exchange for a portion of the business's future revenue or receivables.
Depending on the agreement, repayment may be collected through regular withdrawals from a business bank account or through a percentage of certain business receipts.
MCA agreements can be structured differently from traditional business loans. Before accepting an MCA, review the amount of funding, the total amount to be repaid, payment structure, fees, estimated repayment period, and any other contractual requirements.
What Is Equipment Financing?
Equipment financing is designed to help businesses purchase or acquire equipment used in their operations.
Depending on the financing arrangement, the equipment may serve as collateral or security for the financing. Requirements and terms vary by financing provider and the type of equipment being financed.
Businesses may use equipment financing for eligible purchases such as machinery, vehicles, technology, tools, or other equipment required for business operations, depending on the financing program.
What Is Business Expansion Financing?
Business expansion financing is intended for businesses that need capital for growth-related expenses. Depending on the financing program, funds may be used for purposes such as opening or improving a location, purchasing equipment, increasing inventory, hiring employees, renovations, or other expansion-related costs.
The permitted use of funds depends on the financing agreement and provider. Businesses should confirm that their intended use is allowed before accepting financing.
Can You Get Business Financing With Bad Credit?
Businesses with different credit profiles may be able to request business financing through GetMoney.com.
Credit history can be one factor considered by a financing provider. Depending on the product, providers may also consider business revenue, cash flow, time in business, existing obligations, bank activity, financial records, and other information.
Having less-than-perfect credit does not automatically determine whether financing will be available. However, approval, financing amount, cost, repayment terms, and other requirements are determined by the individual financing provider.
What Do You Need to Apply for Business Financing?
Requirements vary by financing product and provider. A business may be asked to provide information about the business, its owners, revenue, bank activity, time in business, and financial condition.
Some financing providers may request recent business bank statements or other financial records when evaluating a request. The documents required depend on the financing product and provider.
How Does Online Business Financing Work?
The process starts with an online financing request. You provide information about your business, the amount of financing you need, and how you intend to use the funds.
Your request may then be reviewed by lending or financing partners that offer business financing products. Available options depend on your business information and the requirements of participating providers.
If you receive an offer, review the financing amount, interest rate or factor rate where applicable, fees, payment amount, repayment schedule, total cost, and other terms before deciding whether to accept it.
What Can Business Financing Be Used For?
Depending on the financing product and agreement, businesses may use financing for a variety of business purposes, including:
- Working capital and operating expenses
- Inventory and supplies
- Business equipment
- Technology and tools
- Hiring and payroll-related needs
- Opening or improving a business location
- Business expansion and growth
- Other approved business expenses
Why Request Business Financing Through GetMoney.com?
GetMoney.com has been a source for online financing options since 2003. We help business owners explore financing options through a network of lending and financing partners.
- No upfront fees to submit a financing request
- No obligation to accept a financing offer
- Business financing options for different business needs
- Simple online request process
- Options that may include working capital, MCA, equipment, and expansion financing
- Some businesses may receive funding as soon as 2 business days, depending on the provider and requirements
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Online Business Loans
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Equipment Loans
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Business Lines of Credit
WHAT IS AN ONLINE BUSINESS LOAN?
Any loan offered or granted to a business based on its revenue and or income is a business loan. Most common business loans are working capital, line of credit, equipment financing, and merchant cash advances which are technically not loans. A merchant cash advance provides access to money in exchange for future revenue plus fees. Keep in mind that your monthly payments will be just a little bit more than the original online loan on account of those fees.
Most business loans offered through GetMoney.com are revenue-based and only require 3 bank statements for income or revenue verification. This means that you do not need to worry about a credit check. Borrowers with all credit types including borrowers with bad credit down to mid 500’s are often accepted. Get Started
Qualifying for business loans: Any business with a 6 months operating history generating $7000 or more in revenue per month is a good candidate for fast online business loans regardless of your individual credit score.
The lenders in our network accept borrowers of all credit types from over 700 industries.
All business owners with excellent to bad credit are encouraged to request a business loan through GetMoney.com while evaluating their financial options.
Regardless of loans amount and loan type, you can expect competitive rates, favorable terms, and excellent personalized service from our online lenders, and all without worrying about your personal information or credit score.
HOW DOES EQUIPMENT FINANCING WORK?
Purchasing new equipment would be impossible if every small business owner had to pay in full for every piece of equipment and machinery. Equipment financing is a financing tool small business owners utilize to buy new equipment required for business.
There are two ways to purchase equipment, A. buy it outright; B. leas it.
The process is pretty much the same, and all lenders will look at the business cash flow, and ability to meet the monthly payment obligations. This means that you don’t need to worry as much about credit checks or even loan amounts; you’ll only need to pay attention to the price of the equipment.
What type of equipment can be purchased with equipment financing?
The simple answer is everything from a kitchen oven to new office furniture to heavy industrial equipment can be obtained through equipment financing.
The new equipment can be for expansion or replacing the old equipment. learn more
WHAT IS A BUSINESS LINE OF CREDIT
To properly operate a business, every small business owner will require cash injection every so often. Some cash injections are planned, especially for equipment upgrades, renovations, and other foreseeable business requirements. These expenses can be taken care of with a small business loan or equipment financing.
It’s the unexpected expenses the sneak up on small businesses. A busted pipe, sudden opportunities to expand and grow, work emergencies, etc. are not predictable and hard to prepare for without access to cash.
That’s where a business line of credit comes into play. A business line of credit is like money on demand without the monthly payments. Only make payments on the amount you use, so the loan amounts for this type of credit can vary, depending on your business. learn more
Home Loans
Get a Mortgage
A Mortgage is a loan secured against real property. The loan amount is determined by property value, borrower’s income, property type, and purchase price. Guidelines may fluctuate based on occupancy and geographical location.
There are several mortgage types available and the most popular ones are conforming loans, jumbo mortgages or jumbo loans, FHA (Federal Housing Administration) which requires a smaller down payment (3%) and VA loans which require no down payment and are guaranteed by the VA.
Qualifying for purchase mortgage
Different borrowers qualify for different loans. For example, a borrower applying for a conventional mortgage must meet different conditions than someone applying for an FHA loan, or a veteran applying for a VA loan. To see what your options submit a free no-obligation request and discuss your options with an NMLS licensed lender. Learn more
Lower Mortgage Payments with a Refi
When a homeowner refinances a mortgage, they are simply accepting a new mortgage to pay off and replace the existing mortgage.
Why would you refinance?
Refinancing to a low-interest mortgage, changing the terms of the mortgage, and taking a co-borrower off the mortgage are a few reasons why homeowners accept the cost to refinance.
In a volatile market where interest rates are continually changing, mortgage rates fluctuate daily. For example, a mortgage holder who got a mortgage six months ago at 4.25%; today they can refinance at 3.25% and save tens of thousands of dollars over the years depending on the mortgage loan amount.
Another reason homeowners refinance is to change the terms of their existing mortgage. Let’s assume you got a 30-year mortgage eight years ago at 5%, and the current rates are down to 3%. With this scenario, you may be able to refinance your existing 30-year mortgage into a 15-year mortgage at a reasonable monthly payment increase.
Another popular reason for refinancing in a low-interest environment is taking cash out of the equity to pay bills or consolidate debt. Learn more
Refinance, pay-off bills, get cash and lower over all payments
A cash out refinance is when you refinance your home and take out equity. For example, you bought a house for $300,000 and now it’s worth $500,000. You can access the $200,000 equity with a cash out refinance.
How does a cash out refinance work?
Cash out refinance is exactly like a regular refinance, except, you are taking out equity and increasing the loan amount. With a rate and term refinance, you don’t always have to go through the full approval process and can do a streamline refi. To get approved for a streamline refi, you’ll need be on-time with your mortgage payments, and have a qualifying loan. For example, a VA loan streamline refi, requires you to be refinancing an existing VA loan. Or you can streamline a Fannie Mae mortgage into another Fannie Mae mortgage if offered.
The best way to see if a streamline refinancing is available to you is to request a mortgage and have the professionals walk you through it.
Frequently Asked Questions
Does completing a form or making a loan request commit me to anything?
No. The process is completely free and you are not obligated to anything.
Does GetMoney.com charge any fees?
No, GetMoney.com does not charge you any fees for connecting you to a lender. However, we may be compensated by our affiliates, partners and lending partners.
Is GetMoney.com involved in the approval process?
No, GetMoney.com is not in anyway connected to the underwriting and approval departments of the lenders and investors. We simply connect borrowers and lenders.
How does getting a loan work?
It’s simple. Complete our short online form and the form will automatically be shared with our network of lenders and or partners. The lenders and partners will review your loan request and offer qualified borrowers a loan based on credit history, income and etc. If you are offered a loan and you accept it, be sure to review the terms of the loan in detail.
Can I qualify without perfect credit?
Every lender and investor has different criteria’s for qualifying and approving an applicant. We work with a wide range of lenders and investors, so there is good chance we’ll be able to connect you even if you don’t have perfect credit.
Who do I call if I have a question about my loan?
For all questions about your loan you must contact the lender or lending partner you’ve been connected to.
Loan vs Line of Credit
The biggest difference between a loan and a line of credit is that with a loan you get a lump sum amount at once and with a line of credit you have access to the money as you need it. Since you receive the lump sum all at once with a loan, you have to start making payments right away on the full balance of the loan. However, with a line of credit you only withdraw what you need when you need it. Thus, your payments will based on the outstanding balance.
Does my state of residence effect the loan I get?
Yes. Different states have different lending guidelines. Thus, a lender must adjust the loans offered to comply with all state and federal regulations.
What are the rates like?
We don’t like quoting generic rates and unfortunately, there is no way to know what rates a borrower qualifies for without knowing anything about that borrower. The rates will fluctuate based on many factors such as amortization period, loan type, credit score and sometimes even the purpose of the loan. To see what rates you qualify for, complete our short online form and you’ll know exactly what the rates you qualify for are.
How will I get my money?
It depends on the lender and how you choose to receive your cash. Usually, the preferred methods are direct deposits into your account and wire transfers.
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