Request your funds
$100 – $5,000 · as fast as next business day, if approved
Personal loans from $100 to $5,000, handled the straightforward way.
Submit one short request and ZiggyLoan forwards it to a network of vetted lenders. Review any offer in minutes — free, no obligation, all credit considered.
- One request, whole network
- You compare the offers
- A referral service, never a lender
Three steps. About a minute.
ZiggyLoan is a free online loan-referral service. You submit one short request, and we forward it to a network of third-party lenders and lending partners who may offer you a personal loan of $100 to $5,000. ZiggyLoan is not a lender and does not make credit decisions, set rates, or fund loans — the lender does.
Submit one request
Enter your amount and a few details. It takes about a minute and needs no SSN at this stage.
We match the network
Your request is shared with participating lenders. The initial match is a soft check that doesn’t affect your credit score.
Review any offer
A lender presents terms — amount, APR, and schedule. You compare and decide; nothing is binding until you sign.
A clear, no-surprises process.
Knowing what happens — and what doesn’t — before you submit. We keep the request simple and the boundaries plain.
What ZiggyLoan does
- Takes one short request and routes it to a network of U.S. lenders.
- Transmits your details over an encrypted TLS connection.
- Lets you compare any offer side by side before you decide.
- Stays free to use — we’re paid by lenders, never by you.
What ZiggyLoan never does
- Doesn’t lend money or make any credit or funding decision.
- Doesn’t guarantee approval, an amount, a rate, or terms.
- Doesn’t charge you to submit a request or review offers.
- Doesn’t require an SSN to start the initial match.
How much can you borrow?
You can request $100 to $5,000. The lender who works with your request sets the final amount, APR, fees, and repayment term, and discloses them in writing before you accept. Using ZiggyLoan is free — you only owe what a lender charges if you accept an offer.
Amounts and terms are set by the lender; the examples above are illustrative, not offers.
- Free to use. ZiggyLoan never charges you to submit a request or review offers.
- %Short-term APRs are high. They vary by lender, product, state, and credit, and commonly exceed 200%.
- 36Military Lending Act. APR is capped at 36% for active-duty service members and their dependents.
- !Tribal lenders may operate under tribal law and can exceed state rate caps.
Who qualifies, and will it touch my credit?
Most lenders in the network require that you are at least 18, a U.S. resident, with a regular income source and an active checking account. Submitting a request on ZiggyLoan does not affect your credit score, because the initial match is a soft inquiry. A lender may run a hard credit check before making a final offer, and will tell you before they do.
The network includes lenders who review applicants with thin or poor credit.
Matching is a soft pull; only a lender extending an offer may run a hard inquiry.
A request here is not an application for credit with any specific lender.
No offer is binding until you review the terms and sign with the lender.
Smart, lower-cost alternatives.
A small-dollar loan can help in a pinch, but it’s usually the most expensive way to borrow. Before you submit a request, it’s worth comparing these lower-cost options.
Federal credit unions offer small loans with APR capped at 28% — far below typical short-term rates.
Many employers and apps let you draw wages you’ve already earned early, often free or for a small flat fee.
If you can qualify and repay within the promotional window, this can be interest-free.
Utilities, medical providers, and landlords will often arrange a no- or low-cost installment plan.
Dial 211 or check your state portal for emergency assistance with rent, utilities, and food.
Is ZiggyLoan available in my state?
ZiggyLoan serves residents of most U.S. states. Because state lending laws differ, the service is currently unavailable to residents of the states below. Availability and terms in supported states are determined by the lender that works with your request.
Questions, answered plainly.
No. ZiggyLoan is a marketing and referral service, not a lender. We forward your request to third-party lenders and lending partners who may present offers; they make all credit and funding decisions. See our Advertising Disclosure.
You can request a personal loan from $100 to $5,000. The lender that works with your request sets the final amount, APR, and repayment terms and discloses them before you accept. See Rates & Fees.
If a lender approves your request and you accept the offer, funds are often deposited as soon as the next business day. Exact timing depends on the lender and your bank.
No. The initial match is a soft inquiry that does not affect your credit score. A lender may run a hard credit check before making a final offer and will tell you first.
Possibly. The network includes lenders who consider applicants with poor or limited credit, but approval, amount, and rate are never guaranteed and depend on the lender.
ZiggyLoan is free to use. You are never charged to submit a request or review offers; you only pay the interest and fees of a loan you choose to accept.
APRs and fees are set by the lender and vary by product, state, and credit. Short-term, small-dollar APRs commonly exceed 200%. The Military Lending Act caps APR at 36% for covered active-duty service members and dependents.
Yes. Your request is transmitted over an encrypted TLS connection. See our Privacy Policy for how your information is used and shared with lenders in the network.
No. There is no obligation. Nothing is binding until you review a lender’s terms and sign their agreement, and you can walk away at any point before that.
Use the unsubscribe link in any email, reply STOP to texts, or submit our Unsubscribe form. You can also opt out of data sharing through Do Not Sell or Share My Information.
Last reviewed June 2026 · ZiggyLoan is a referral service, not a lender.
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One request. A clear look at your options.
No pressure — just a calm, straightforward way to review what’s possible for $100 to $5,000.
Request my fundsFree to use · no obligation · a referral service, not a lender