Check Your Loan Options

One short request, handled by our network partner that provides the loan request form and shared with lenders and partners in our network. Many lenders start with a soft credit check, which typically doesn't affect your credit score.

Many lenders start with a soft check
$0 fee to use Credit For Life
Not a lender — approval not guaranteed

Many lenders start with a soft check$0 fee to use our serviceRoseville, CA office since 2018California lending rules explained

Tell us how much you need and a few basic details below. The request form is provided by our network partner that provides the loan request form, which may share your information with lenders and partners who may contact you or redirect you to a lender or sponsored listing. Credit For Life is not a lender — we don't make loans or credit decisions, and there's no fee to use our service.

Notice at collection: this form is provided by our network partner, not Credit For Life. It asks for identifying information (name, contact details, date of birth), your Social Security number, income and bank account/routing details, and military status. Information you enter goes directly to the form provider, which uses it to match you with lenders, run identity and fraud checks, and contact you about your request — Credit For Life does not receive or store it. The form provider and its service partners may record your interactions with this form (including keystrokes and page activity) to verify your consent and prevent fraud; by using the form you agree to that recording. The form provider may share this information with lenders and partners, who may compensate the form provider and Credit For Life for the referral. Submitting the form means you agree to its Terms of Use (including mandatory arbitration) and Privacy Policy, linked in the form, which govern this data. See our privacy policy, do-not-sell/share choices, terms and advertiser disclosure for details. Never share your full Social Security number or bank details anywhere except this secure form.

After You Submit Your Request

1. We review your request
Your loan amount, ZIP code and basic details are checked against lender criteria in our network — no paperwork, no office visit.
2. Lenders check your options
Participating lenders typically use a soft credit inquiry to see if they can make you an offer. A soft check does not affect your credit score.
3. You review and choose
If a lender has an offer, you'll see the amount, APR and term before you agree to anything — you may also be redirected to a lender's site or to a sponsored listing from a partner. If you move forward, that lender may run a hard credit check before final approval and funding.

Lender Criteria That Matter Most

Income

A steady source of income, such as a job, benefits or self-employment.

Bank account

An active checking account, usually needed to receive and repay funds.

Age and residency

You must be 18 or older and a US resident. Availability varies by state; our primary market is California.

Credit history

Many lenders in our network work with bad or thin credit. Requirements vary by lender and by product.

Soft Check First, Hard Check Before Approval

Soft credit check

Used to show you possible offers
Does not affect your credit score
Happens when you submit this form

Hard credit check

Used by a lender before final approval
Can affect your credit score
Only happens if you accept an offer

Heads up: many lenders in our network start with a soft credit check on this page, which typically doesn't affect your credit score; lenders and partners may obtain consumer reports. A hard pull only happens if you move forward with a specific lender's offer.

Frequently asked questions

Will applying hurt my credit score?

Seeing offers usually starts with a soft credit check, which does not affect your credit score. If you accept an offer, that lender may run a hard credit check before final approval, and that can affect your score. See our soft credit check loans page for details.

Does Credit For Life charge a fee?

No. Credit For Life is free to use. We are not a lender, and we do not charge you anything to submit a request or see offers. A lender you're matched with may charge fees allowed under California law — see rates and terms.

Am I guaranteed a loan offer?

No. Submitting a request does not guarantee an offer, approval, amount or rate. Lenders in our network review requests and set their own terms based on their own criteria.

How long does it take to see offers?

Most people see offers within minutes of submitting the form below. How quickly funds arrive after that depends on the lender you choose — see how it works for typical timing.