How NeededCash Works

Getting the cash you need, when you actually need it.

1. Tell us what you need

Fill out our simple form with how much money you want to borrow, what you need it for, and when you need it by. We'll also ask about your income and credit situation so we can match you with the right lenders.

2. Get matched with licensed lenders

We'll instantly connect your request with our network of licensed lenders who can serve your state. Every lender holds the licenses its state requires; we verify it before they see a request.

3. Review your offers

Lenders review your request and respond with their offers. You'll see each lender's rates, terms, and requirements. Most people see whether a lender is interested the same day, often within minutes.

4. Choose and get funded

If you receive offers you like, you can continue directly with that lender to complete your application. Funds can arrive as soon as the next business day once a lender approves you.

Important information

Checking your options does not affect your credit score; a lender runs a full check only if you continue with its offer. Every rate and fee is disclosed in writing before you sign (federal Truth in Lending requirement); we hold lenders to it.

NeededCash is not a lender. We are a free loan-matching service. We do not make credit decisions, and nothing on this site is financial, legal or tax advice. Licensed lenders never charge an upfront fee to release a loan.

Disclosures

Not a lender. NeededCash.com is not a lender, loan broker, or agent of any lender and does not make credit decisions. We operate a free matching service that shares the information you submit with participating licensed lenders and lending partners, who may contact you with an offer and who pay us a referral fee.

Rates and terms. Each lender sets its own rates, fees, and terms and will disclose them in writing as required by the federal Truth in Lending Act before you sign. Personal and installment loans from lenders in our network typically carry APRs from about 5.99% to 35.99% with terms from 3 to 84 months. Representative example: a $5,000 loan over 36 months at 15.99% APR has 36 payments of $175.76 and a total cost of $6,327.36.