Loan Eligibility Checker

The Loan Eligibility Checker is a free pre-qualification tool that shows you which lenders in our network are most likely to work with your profile before you ever fill out a full application. You answer a few short questions about how much you want to borrow, your state, your credit range, and your income, and we map those answers to lender criteria pulled from offers in our database.

It is built for people who want a realistic preview of their options without submitting a hard credit pull or sharing sensitive details like a Social Security number up front. You can use it to compare possible loan amounts from $100 up to $50,000, see APR ranges that typically apply to borrowers like you, and skip the lenders whose minimums you do not meet.

When you submit the form, we run a soft match against every active offer in our network. The matcher looks at four signals: the loan amount you requested, the state you live in (because some lenders are not licensed everywhere), your credit score range, and your monthly income. Each offer has a minimum credit score, a maximum loan amount, an allowed-states list, and an income floor. We filter out anything you clearly do not meet, then rank what is left by a priority score that combines the lender's rating, payout, and historical conversion.

You then see a ranked list of lenders that are realistic fits, with the loan amount range, APR range, funding time, and credit minimum displayed up front. Clicking through takes you directly to the lender's secure application, where they perform their own underwriting. Approval, final APR, and final loan amount are always determined by the lender, not by us.

This tool is designed for borrowers who want to compare options quickly without committing to an application. That includes people facing an unexpected expense like a car repair or medical bill, borrowers exploring debt consolidation across credit cards, gig workers and self-employed users who want to see which lenders accept non-W-2 income, and anyone with fair or rebuilding credit who wants to avoid wasting time on lenders that only accept excellent profiles.

It is also useful if you have been declined elsewhere and are not sure why. By comparing your inputs against minimum criteria across dozens of lenders, you can see exactly which thresholds are blocking you and decide what to fix first.

Personal loan APRs in our network typically run from around 5.99% on the low end for excellent-credit borrowers up to 35.99% for fair credit, and installment products for bad credit can reach higher state-capped rates. Loan amounts vary by lender from a few hundred dollars up to $50,000 personal loans, and funding can be as fast as the same business day or take 1–5 business days depending on your bank.

State restrictions matter. Some lenders do not operate in states like New York, Connecticut, Vermont, West Virginia, or Georgia for certain product types. Lenders generally look at your credit score, monthly income (a common floor is around $1,000–$2,000 net), employment status, debt-to-income ratio, and bank account history. Pre-qualification on this site does not guarantee approval — the lender's full underwriting may surface details that change the offer.

Small changes can meaningfully improve the offers you see. Request the smallest loan that actually solves your problem — lower amounts are easier to approve and cheaper to repay. Pay down revolving credit card balances before applying so your credit utilization drops, which can move your score within 30 days. If you are close to a credit tier boundary (for example, 659 vs 660), waiting a cycle to cross it can drop your APR significantly.

Adding a creditworthy co-signer or applying jointly with a spouse can unlock lenders you would not qualify for alone. Make sure your stated income matches what your bank statements or pay stubs will show, since mismatches are a common reason offers get pulled at the verification step.