A lark on a grass stem at first light, behind the FinanceLark request form for $100 – $5,000

Start your request

$100 – $5,000 · if approved, some lenders fund as soon as the next business day

Encrypted form · Costs nothing to send · You can turn down any offer

Requests from $100 – $5,000Any credit history can applyReferral service

Bills came early this month. Your paycheck didn't.

FinanceLark is a referral service and not a lender. Fill in one short form and lenders in our network can reply with an offer. You read the full cost first, then decide.

About five minutesWorks on a phoneFree to sendNo obligation

Before the coffee cools

What happens after you press Next

Three steps. Only the last one asks you to decide anything.

First
You fill in the basics
The amount you want, how you get paid and where to reach you. Most people finish on a phone in a few minutes.
Next
Lenders read it
We pass the request to lenders in our network. Each one looks at it on its own and decides whether to make an offer.
Last
You read the offer
If a lender replies, it lists the APR, the total cost and every due date. Sign only if those numbers work for you.

Early questions

What people ask us first

Does FinanceLark lend the money?

No. FinanceLark is a referral service, not a lender. We forward your request, and any loan offer comes from a lender on that lender's own terms.

What amount can I ask for?

Any amount from $100 to $5,000. The lender decides what to offer, and it may be less than you asked for.

Do lenders look at my credit?

They may. A lender can check your credit and verify your details as part of its review, and it explains how before you agree.

When would the money land?

It depends on the lender and your bank. If approved, some lenders deposit as soon as the next business day. The offer states the timing.

Is there a fee to send a request?

No. Sending the form is free, and you are under no obligation to accept any offer you receive.

Lay it out the night before

Have these four things handy

You are 18 or olderAnd you live in a state where this service runs.

Money comes in regularlyWages, benefits or freelance work all count.

A checking account in your nameThe lender pays into it and collects from it.

A phone and an email you checkThat is where an offer, or a question about your form, will arrive.

Read the small print first

Every offer has to spell out five things

The lender sets the numbers. They sit in the agreement before you sign.

APR	Interest and fees shown as a yearly rate. Short-term loans are costly, and the APR can go above 200%.
Finance charge	What the loan costs you in dollars, on top of the amount you borrow.
Due dates	When each payment comes out of your account and how large it is.
Late or bounced payments	What happens if a payment is missed or returned, and the fee for it.
Extensions	Whether the lender allows a rollover, and the price of one.

FinanceLark has no say over rates or fees. They differ from lender to lender and from state to state. Borrow an amount you can pay back on the dates shown.

Ready when you are.

One form for $100 – $5,000, sent to lenders who show their price up front. Sending it costs nothing.

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