About Us
A free service that helps people with fair or low credit send one request to lenders that will actually consider it, and plain-English guides to help them compare what comes back.
What does our service do?
We run a free request service: you fill in one secure form for $500 to $5,000, and lenders and partners in our network that consider fair and low credit review it and decide whether to make an offer.
We are not a lender. We do not make credit decisions, set rates, fund loans or collect payments. Every offer comes from an independent lender, with that lender's own APR, fees and terms, and you are never obliged to accept one.
Alongside the request service, we publish guides on rates, eligibility, loan types and the questions people ask most when their credit is not where they want it to be.
Why did we build this service?
Many people with low credit scores are turned away by banks or steered toward the most expensive option available, so we built a simple way to reach lenders that review more than the score and to compare their offers honestly.
A low score often reflects a hard stretch, such as a medical bill, a job change or a divorce, rather than a lack of responsibility. Yet the search results for credit help are crowded with promises that sound too good and offers that cost far more than they should.
Our goal is narrower and more useful: one request, real lenders, clear numbers, and guides that explain the trade-offs without pressure. If the best answer for you is a credit union, a payment plan or no loan at all, our guides say so.
That is also why every page shows its math. Payment examples use the same representative 24% APR, list the total repaid next to the monthly payment, and point out fees that can come out of a deposit. When a real offer arrives, you can compare it with those numbers and see at once whether it sits in a normal range or far above it.
How do we earn money?
We earn money from lenders and partners in our network, usually when a request is delivered or a loan is funded; you never pay us anything, and that compensation can affect which lenders see a request.
Compensation does not change the terms a lender offers you, and it does not affect what our guides say. Our advertiser disclosure explains the model in detail.
How are our guides written and checked?
Our guides are written by our editorial team, checked against lender disclosures and federal consumer guidance, and recalculated whenever we edit them, using one representative 24% APR so every example on the site matches.
We follow a few rules:
- Numbers are calculated, not copied. Every payment and total is computed from the amount, term and rate shown.
- No paid placement in guides. Lenders cannot pay to be mentioned or ranked in an article.
- No invented reviews. We do not publish ratings, testimonials or customer counts.
- Plain language. We define terms in our glossary and avoid hype words that promise approval.
- Corrections. If you spot an error, tell us through the contact page and we will fix it.
Who writes our guides?
Our guides are written under pen names by members of our editorial team, so each byline stays consistent while writers keep their privacy; the names below are pen names, and each guide is reviewed by the team before it is published.
Pen names are common in consumer finance writing, where writers may be contacted by readers about their own debts. The expertise behind each byline is real; the name is not. Every guide carries the same editorial standards described above.
How can you reach us?
You can reach us by email at our support address, by phone on business days, or by mail at our Harrisburg, Pennsylvania office; details are on our contact page and in the footer of every page.
Questions about a specific loan, such as payments or payoff amounts, should go to the lender that made it, since we do not service loans. For anything about our service, our guides or your data, our contact page has every way to reach us.
Ready to see what lenders can offer?
One short request reaches lenders in our network. Free to use, no obligation to accept an offer, and bad credit is considered.
Start my request