Trusted by 2M+ borrowers nationwide

Need a personal loan? Start here.

Compare real offers from $100 to $5,000 in minutes. Checking your rate is free and won't impact your credit score.

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Bank-level encryption No impact to credit 2-minute application

How it works

Request, compare, get funded.

1. Tell us about you

Answer a few quick questions. It takes about two minutes and never touches your credit score.

2. Compare real offers

We match you with lenders from our network so you can compare rates, terms, and monthly payments side by side.

3. Get funded

Choose the offer you love and finish with the lender. Many partners fund as soon as the next business day.

Why ZipFundToday

Why borrowers choose ZipFundToday.

No noise. No pressure. Just a clean way to see your real loan options from a vetted network of U.S. lenders.

  • No impact to your credit score

    Checking your rate uses a soft inquiry — your credit score is never affected.

  • Your data stays safe

    Bank-grade encryption and strict data controls keep your information protected.

  • One form, many lenders

    Fill it once and compare competing offers — no repetitive applications.

2M+

Borrowers helped

$5K

Up to, per loan

6.99%

APRs from

50

States served

FAQ

Questions, answered.

Will checking my rate affect my credit score?+

No. Checking your rate on ZipFundToday uses a soft credit inquiry, which does not affect your credit score. A hard inquiry may occur only later if you choose to formally apply with a specific lender.

How much can I borrow with a personal loan?+

Personal loans available through our lending partners typically range from $100 to $5,000. The amount you qualify for depends on your credit profile, income, and the lender's criteria.

What APR can I expect on a personal loan?+

Annual Percentage Rates generally range from about 6.99% to 35.99% APR depending on your credit score, loan amount, term, and the lender. Borrowers with excellent credit usually receive the lowest rates.

Is ZipFundToday a lender?+

No. ZipFundToday is not a lender and does not make credit decisions or fund loans. We are a free comparison marketplace that connects you with a network of lenders and partners who may offer you a loan.

How fast can I receive my funds?+

Many partner lenders offer same-day or next-business-day funding after final approval and signing. Exact timing depends on the lender, your bank, and verification requirements.

See your rate in two minutes.

No obligation. No credit impact. Just your real options.

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