Borrow from $1,000 to $50,000 (up to $100,000 with select partners). Most loans are unsecured, requiring no collateral.
Checking rates won't affect your credit score. We use a soft credit pull.
When lenders compete for your business, you save. LendFlow users save an average of **$1,659** over the life of their loan by comparing multiple offers.
Depending on the lender, you could receive funds as quickly as the same day or within a few business days.
| Credit Tier | Typical APR |
|---|---|
| Excellent (800+) | 15.75% |
| Very Good (740-799) | 17.89% |
| Good (670-739) | 23.27% |
| Fair (580-669) | 27.79% |
| Poor (Under 580) | 30.25% |
* Marketplace averages based on credit score.
A history of on-time payments is vital, as payment history makes up 35% of your credit score. Lenders also look for stable income to ensure repayment.
Lenders typically prefer a DTI ratio under 40% to ensure you have enough financial margin to cover new loan payments comfortably.