Loan request$100 to $5,000
Set out your request
- Soft inquiryto begin
- Freeto send
- No obligationat any point
Encrypted in transit and shared only with the lending network you send it to.
Borrow on four plain pillars.
Ask once for any amount from $100 to $5,000. LoanPillars sets that single request before a network of lending partners together. A partner who can help sends its own offer, and funds can arrive as soon as the next business day, if approved.
- Credit left as it wasA soft inquiry opens the search. Your score does not move.
- Nothing to payLenders pay us for the introduction, never you.
- Yours to declineRead any offer in full. Saying no costs nothing.
01The four pillars
What every request rests on
Four commitments that hold whatever the category, the amount or the lender who answers.
We are not the lender
We carry your request to lending partners. Each lender decides for itself and sets its own rate, fees and terms.
Paid by lenders, free to you
Lenders pay us for the introduction, often by bidding for it. You never pay LoanPillars anything.
A soft inquiry comes first
The first look at your options is a soft inquiry, and your score stays where it was. A full check comes only from a lender, and only if you go ahead.
Nothing leans on you
You owe no one a yes, and we make no sales calls. Lenders, and partners you approve when you fill in the form, may reach out.
02How a request moves
A request, from form to offer
It all takes place in your browser: nothing to print, nowhere to queue, three movements from start to end.
Begin my request
Write it down once
A secure form of a few minutes: the amount you need, a little about your income, and the checking account a deposit would go to.
- A soft inquiry
- A first look at your options leaves your score where it stands.
- Encrypted
- Your details are encrypted in transit and in storage.
- Free
- There is no charge for a request and no promise attached to it.
Measured against the network
Every lender in our network sees your one request at the same moment. A lender that wants to help brings you to its own site to show you its offer.
- An introduction, not an approval
- Whether to lend, and at what price, is each lender's own call.
- How a lender is chosen
- Lenders place bids on a request, and you are connected to the highest available bidder. Their bids are what keep the service free.
- We never phone to sell
- We place no sales calls. A lender may contact you, and so may a third party, but only one you agreed to on the form.
Cross to the funds, if you choose
Should a lender approve you and should you accept, the deposit comes from that lender, never from LoanPillars. When it lands depends on the lender and your bank.
- The terms are the lender's
- The lender gives you documents showing every rate and fee. We have no say over them.
- Often the next business day
- Funds often reach your account as soon as the next business day, if approved. A weekend or a holiday can push that back.
- Late payments carry a cost
- Accept only what you can repay. If a payment will be late, call your lender straight away.
The LoanPillars position
A request should stand on plain ground: what we are, what it costs you, and your freedom to say no.
We are a free referral service and never the lender. Each offer is the lender's own, written out before you agree to a thing.
Begin my request
03The index
Nine categories, each on its own page
Loans first, then cards, home finance and cover. Every page lists its partners and explains the product in plain terms.
04The ledger
Fifteen amounts to choose from
The form lists fifteen amounts between $100 and $5,000. Choose the one that closes the gap, and send it once.
$0Cost to send a request
OneForm, read by every lender
NineCategories in the index
- 01$100
- 02$200
- 03$300
- 04$400
- 05$500
- 06$600
- 07$700
- 08$800
- 09$900
- 10$1,000
- 11$1,500
- 12$2,000
- 13$3,000
- 14$4,000
- 15$5,000
05What it costs
Not a cent.
There is no charge for sending a request and no charge for the introduction. Rates, fees and repayment dates belong to the lender who offers, and they are written out for you before you accept.
Once a lender is involved, that lender answers for approvals, deposits and repayments. We are not the lender, so we cannot speak for a loan that is pending or approved.
A soft inquiry to begin
Your first look at the options leaves your credit score untouched. Only a lender whose offer you pursue will run a full check.
Encrypted as it travels
What you enter is encrypted on the way to us and while we hold it, and it goes to no one outside the lending network.
Free, and free to leave
A request is free. Take whatever time you need over an offer, and leave any that does not fit.
06Plain terms
The fine print, in large type
Five things people ask about most, printed where you can read them instead of tucked into the footer.
01An introduction, never an approval
Participating lenders receive your request, and each makes its own call on whether to lend and at what cost. The introduction is our whole part in it.
02Nobody here will phone to sell
Nobody at LoanPillars will call to sell you anything. Once the network has your request, lenders may contact you directly, as may any third party you agreed to on the form. You can withdraw that consent whenever you wish.
03You can always say no
Each offer puts its full rate, its fees and its repayment dates on paper. Look it over properly and turn it down if it is wrong for you. A request is never a promise to borrow.
04Who pays LoanPillars
Lenders pay LoanPillars, frequently by bidding on a request, and you are introduced to whichever available lender bid the most. You are never charged for the service.
05Your permission for a credit check
Submitting the form gives LoanPillars and its partners your permission to check your credit and to pass your details to the lending network. Every detail is on our Credit Authorization page.
07Questions
Questions worth asking first
Short answers to the questions that come up most. Write to us if yours is not here.
01Does LoanPillars lend money?
No. We are a free referral service and never the lender. Your request is shown to a network of lending partners, and any lender that chooses to make you an offer sets the rate, the fees and the terms itself.
02What amounts can I ask for?
Anything from $100 to $5,000, picked from the fifteen amounts on the form. A loan offer, and everything in it, is always for the lender to decide.
03Will my credit score change?
Not from sending a request. It opens with a soft inquiry that leaves your score as it was. Carry on with a particular lender and it may ask your permission for a full credit check.
04How quickly might funds land?
Many lenders in the network send money as soon as the next business day, if approved. The lender, your bank and the hour you finish the request all shape the timing.
05Is there a fee for using LoanPillars?
None. Using LoanPillars is free, and a request commits you to nothing. Lenders in the network pay us, so you never do.
06Where does a request go once it is sent?
It travels to our network of lending partners. An interested lender takes you to its own site and shows its rate, its fees and the repayment dates before you agree to anything. Accepting is always optional.
07What protects the details I enter?
With industry-recognized security and encryption, on the way to us and at rest. The privacy policy names each kind of information we collect and every type of recipient.
08On the record
Every part of a request, kept in the open
Where our money comes from
We are not the lender. Our advertising disclosure sets out how lenders pay us and where that payment may shape what you see here. Each policy is one tap from any page.
How your data is kept
Protected with encryption on the way in and at rest, and seen by no one outside the lending network. A soft inquiry comes first.
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Your data, your decision
A request never carries a fee, because lenders pay us instead. You can leave our marketing, or stop the sale of your information, at any moment.