From $100 to $50,000 in your bank as fast as tomorrow morning. Two-minute application. No credit-score damage to look.
Name, income, zip. Under 120 seconds on a phone. Soft credit check only.
We shop your profile to our network of vetted U.S. lenders. Offers, side by side.
Pick the offer that fits. E-sign. Money hits your account, often next business day.
Paid off three cards in one afternoon. I check my rate on a Tuesday, money was in Wednesday.
My credit was in the 500s and I still walked away with a real offer. That never happens at my bank.
Applied from a lunch break. Fifteen minutes, no phone calls, no branches. That's the whole review.
We do not lend money. We match you with U.S. lenders who compete for your business — so you see the real offer, not a sales pitch.
No. Buddy Loan uses a soft credit pull to match you with lender offers. Your credit score is not affected. A hard pull only occurs if you accept a specific offer and the lender formalizes it.
Most approved borrowers receive funds via direct deposit within one business day of accepting a matched offer. Some lenders may take up to three business days depending on your bank.
Yes. Our lending network is intentionally built to serve borrowers with all credit profiles, including sub-600. Approval and rate depend on the specific lender's criteria.
Absolutely nothing. Applying and viewing offers is free, and you are under zero obligation to accept a loan. There are no membership or platform fees, ever.
Buddy Loan is a lender-matching platform — not a lender. Our job is to bring competing U.S. lender offers to you in one place so you can pick what actually fits.