Personal loan requests$100 – $5,000Not a lender
Tell us what you need
$100 – $5,000 · as soon as the next business day, if approved
256-bit SSL · Checking your options won't affect your credit score · Free to send, no obligation
- All credit types considered
- One request, a network of lenders
- No fee to look
- Your details stay encrypted
Paid on Friday. Short since Tuesday.
One short request, sent to a network of lenders who decide on their own terms. $100 – $5,000, and checking your options won't affect your credit score.
The week, as it actually went
Six lines from a tight week.
- MonThe water heater quit on the coldest night of the year.
- TueEleven dollars in checking. Five days to payday.
- WedThe dentist said today. The paycheck says next week.
- ThuAn overdraft fee for a coffee you had already forgotten.
- FriRent cleared. The electric bill is still sitting there.
- SatYour sister would help again. You can't ask again.
If one of those is your week, this page was built for it. One request for $100 – $5,000 goes to a network of lenders. PatFinancials is not a lender; each lender decides on its own terms, and some fund as soon as the next business day, if approved.
See my options
Before anything is signed
Every offer shows its terms before you agree to any of them.
Rate, fees, due dates. You read them first, then decide. Close the page and nothing is owed to anyone.
How a request travelsThree terraces
How the request moves uphill.
You write the first step. Lenders handle the second. The last one is yours alone.
TERRACE 1
Write it down
Amount, contact details and a few questions about your income. Roughly three minutes on a phone, encrypted end to end.
One form, onceTERRACE 2
Lenders look
Your request reaches a network of lenders and lending partners. Each reviews it against its own rules; nobody is promised anything on their behalf.
Usually minutesTERRACE 3
You decide
If a lender makes an offer, the rate, fees and repayment dates come first. Accept it, or close the tab with nothing owed.
Next business day, if approvedWhy keep PatFinancials in your phone
A calm desk for a tight week.
PatFinancials is not a lender. It is the desk where one request is written once and carried to lenders who answer on their own terms.
- 01
Plain terms, up front
No offer hides its rate or fees. The numbers arrive before any signature, and you can say no to all of them.
- 02
One form, not a tour of lobbies
Write the request once. The network does the walking, so you are not repeating your story to a different desk each time.
- 03
Your score stays where it is
Checking your options is a soft inquiry. It won't affect your credit score, whatever the week has already done to it.
Guides
Short answers to the questions people ask first.
Soft credit check vs hard pull
What a loan request does to your score, and the one question to ask a lender before you sign.
Read the guide →DeclinedWhen the bank says no
The written reason you are owed, the gaps you can fix, and the other doors that stay open.
Read the guide →Small loansA small loan: what lenders look at
Income, the checking account and what you already owe matter more than the score at this size.
Read the guide →Questions
Asked plainly, answered plainly.
Is PatFinancials a lender?
No. PatFinancials is a loan connection service. Your request goes to a network of lenders and lending partners; any offer comes from a lender, on that lender's terms.
Does checking my options affect my credit score?
No. Checking your options is a soft inquiry and won't affect your credit score. If you go ahead with a lender's offer, that lender may run a fuller credit check as part of its own application.
How much can I ask for?
Anything between $100 and $5,000. A lender may offer a different amount than the one you asked for, and not every lender offers the top of the range.
How fast could the money arrive?
That depends on the lender and your bank. Some lenders fund as soon as the next business day, if approved. Requests sent late in the day or before a weekend usually take longer.
What do lenders usually look at for a small loan?
Mostly whether the loan can be repaid: steady income, an active checking account and how much you already owe each month. Credit history matters, but at this size it is rarely the only factor. All credit types are considered.
What does it cost, and do I have to accept an offer?
Nothing, and no. Sending a request through PatFinancials is free, and you can decline any offer. Only the lender's loan agreement, once you sign it, carries a cost.
When you are ready
One request. Clear terms. Your decision.
$100 – $5,000, sent to a network of lenders. Free to send, and nothing to sign until you choose to.