Find Your Best Loan
Match in 90 Seconds
One short form connects you with hundreds of active lenders — instantly. Bad credit welcome. No obligation, no credit impact. Completely free.
🔒 256-bit SSL encrypted · TrustedForm certified
Using US Lending is free. If you accept a lender's offer, that lender's APR (6.63%–1,386%+, varies by lender and state) applies and is always shown before you accept. Most approved offers fund by the next business day.
What is US Lending — and who is it for?
US Lending is a free online loan-matching service, not a lender. You fill out one short form and we match your information against a network of licensed lenders and financial-service providers for personal loans ($100–$5,000), debt relief, credit repair, or a mortgage. Matching takes about 90 seconds, never charges you a fee, and does not affect your credit score. The lender sets your rate and terms, and you're never obligated to accept.
A quick real-cost example: a $500 short-term loan at 400% APR for two weeks carries about a $76.71 finance charge — roughly $576.71 repaid. Rates from matched lenders range from 6.63% to 1,386%+ and are always disclosed before you accept. Run your own numbers with the loan calculator.
Sources: Consumer Financial Protection Bureau (CFPB) · Federal Trade Commission (FTC) · National Conference of State Legislatures (NCSL)
What Happens After You Apply
No phone calls, no bank branches. Fill out one short form and let our network do the work.
Answer 4 Short Screens
Tell us what you need and a bit about your situation. We only ask what lenders actually need — no unnecessary personal details.
⏱ Under 2 minutesWe Find Your Best Match
Your profile instantly runs through our network of active lenders, matching you with those who specialize in your credit type and loan need.
⚡ Instant matchingReview & Accept Your Offer
Compare offers side by side — APR, fees, and repayment terms shown clearly before you decide. Choose the one that fits, or walk away — you're never obligated.
✓ Zero obligationGet Funded
Only accept an offer if it works for you. Once you do, funds are commonly sent by the next business day from participating lenders.
💰 Next-business-day commonOne Platform, Every Financial Need
Whether you need fast cash, debt relief, a better credit score, or a home loan — US Lending connects you with the right specialist.
Personal Finance
Need cash fast? Borrow $100–$5,000 for any reason. Bad credit accepted. Same-day funding available.
Debt Settlement
Cut your unsecured debt by 40–60%*. Consolidate credit cards, medical bills, and personal loans into one manageable payment.
Credit Repair
Remove inaccurate negative items, dispute errors, and build a stronger credit profile with expert-guided programs.
Mortgage
Buy your dream home or refinance to a better rate. Get matched with mortgage lenders who fit your goals and credit profile.
Trusted by Americans Nationwide
Over 1,200 verified reviews from borrowers who found their match through US Lending.
"I was nervous applying with bad credit but US Lending matched me with a real lender in minutes. Had $1,500 in my account the next morning. Couldn't believe how smooth it was."
"The debt settlement program was life changing. We knocked off $18,000 in credit card debt. The whole process was explained clearly and I never felt pressured. Highly recommended."
"After two years of credit repair I went from a 571 to a 698. US Lending connected me with the right service and I was able to qualify for a car loan I never thought possible."
Individual results vary. The experiences above are from real users but are not typical outcomes, and are not a guarantee of loan approval, funding time, debt reduction, or credit-score change. Approval, rates, and terms are set by third-party lenders and service providers based on your individual situation and state.