Tell us a few details. We forward your request to lenders in our network — most decide in minutes. Funding timing depends on your lender and bank.
Before you start
We're a request-routing service. Our job ends when your loan request reaches a lender willing to consider it. The lender owns the underwriting, the terms, and the funding decision.
You fill a single online form. We forward it to multiple participating lenders so you don't shop the same details around.
The initial match is typically a soft check that doesn't move your credit score. A lender that wants to make you an offer may run a hard inquiry then.
Lenders pay us when we connect them with consumers. That can influence the order in which they see your request. We don't represent every lender available.
Small-dollar short-term loans regularly run above 200% APR depending on lender, product, and your state. Read every Truth-in-Lending disclosure carefully.
No offer is binding until you sign with the lender. Compare to a credit-union small-dollar loan, a paycheck advance from your employer, or a 0%-intro credit card before you commit.
Short-term lending rules differ widely by state. Residents of certain states aren't matched. See our Lending Policy for the current list.
Read before submitting
If a lender approves and you accept, funding timing depends on the lender and your bank. Some originate the same business day; others next business day.
The initial match is generally a soft inquiry. A lender that decides to extend an offer may pull a hard credit report; you'll be told before that happens.
zipfundtoday.com doesn't charge you. The lender sets the rate, fees, and repayment terms — they appear in writing before you sign.
Each lender has different eligibility (income, residency, banking history, state). If nothing matches today, you can try again later.
Until you sign with a lender, no contract exists. Once signed, the lender's contract governs cancellation and rescission rights.
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