One form. Every lender worth comparing.
One loan. One payment. Less stress. We match consumers across every credit profile with personal loans from $1,000 to $100,000 — without bruising your score.
- $3.2B+
- Matched to borrowers
- 520+
- Min. score considered
- 40+
- Lender partners
"Cut my monthly payment by $384. Took eight minutes."
Marcus & Lena — Atlanta, GA
How it works
A loan search that respects your time and your credit.
Soft credit pull only. Comparing your offers will never affect your score.
Tell us about you
A short form covers what you need, where you're at, and how much you'd like to borrow. Two minutes, tops.
We shop the market
We send your profile to our network of 40+ lenders — banks, credit unions, fintechs — and pull real prequalified offers.
You compare & choose
See APR, monthly payment, and total cost side by side. Pick the offer that fits, finish on the lender's site.
Built for every credit profile
If you have a score, we have a lender willing to listen.
Lowest-APR fixed-rate offers, no fees with select partners.
Strong selection — consolidation is often the biggest win here.
Real offers, not predatory ones. We filter the marketplace for you.
Co-borrower and secured options to help you graduate to better rates.
Quick estimate
What could your payment look like?
Drag to estimate a monthly payment at a sample 9.99% APR. Your real offers may be lower — or shape differently — depending on your profile.
Why borrowers trust us
A marketplace that works for you — not the lenders.
Soft credit pull
Comparing offers will never affect your credit score.
Bank-grade encryption
256-bit TLS. Your information is never sold to lead buyers.
No origination fees from us
We're paid by lenders when you close — never by you.
Real humans, when you want one
US-based loan specialists available 7 days a week.
FAQ
The questions worth asking.
Will checking my rate hurt my credit score?+
No. We use a soft credit pull to show prequalified offers. Your score is only affected if you accept an offer and complete a full application with the lender.
What credit scores do you work with?+
We work with consumers across the full spectrum, from building credit (520+) to excellent (850). Not every lender will match every profile, but the marketplace is designed to find what fits you.
How much can I borrow?+
Personal loans through our partners range from $1,000 to $100,000 with terms from 12 to 84 months.
Is Consolidate My Loan a lender?+
No. We're an independent marketplace. We connect you with lenders and earn a referral fee from them when you close — you never pay us a dime.
How long does the process take?+
About 2 minutes to see prequalified offers. Funding from the lender you choose typically lands in 1–5 business days.