Frequently Asked Questions

Your Questions Answered

What does an installment loan mean?

An installment loan is a loan that you repay over time through fixed, scheduled payments. Each payment includes a portion of the borrowed amount (principal) and interest, with terms and amounts determined upfront for predictable repayment.

Does LoansForDebtRelief.com charge any fees to connect consumers with lenders?

No, LoansForDebtRelief.com is completely free to use. We do not charge any fees to connect you with lenders.

What is the maximum loan amount I can request?

You can request a loan of up to $5,000, though the final amount will depend on the lender’s approval criteria.

How soon can I receive my funds if approved?

If approved by a lender, funds are typically deposited as soon as the next business day.

What are the minimum requirements to apply for a loan?

To qualify, you must be at least 18 years old, have a checking or savings account with direct deposit, and earn a minimum monthly income of $1,000.

How does LoansForDebtRelief.com protect my personal information?

We take data security seriously and use industry-standard encryption and privacy measures to protect your personal information. Your data is only shared with lenders as needed to facilitate your request, in accordance with our Privacy Policy.

Will lenders check my credit, and how does it affect me?

Some lenders may perform a credit check, which could include inquiries with credit bureaus or alternative credit data providers. The impact on your credit score depends on the type of inquiry the lender performs.

Am I guaranteed to be approved for a loan?

While we connect you with lenders, approval is based on the lender’s evaluation of your application. Meeting the minimum requirements does not guarantee approval.

Find Out If You Qualify Now

Select an amount and enter your details to see if you qualify for a loan or debt‑relief program.

Advertising Disclosure

Advertising Disclosure

Rates, terms, and loan programs are subject to change without notice. The information provided here is for illustrative purposes only and does not constitute an offer or commitment to lend. Actual loan offers may vary based on credit profile, income, collateral, and other underwriting factors determined by the lender.

The Annual Percentage Rates (APRs), monthly payments, and loan costs shown are examples and may not be available in all states or for all borrowers. Loan approval and terms are subject to verification of the information provided by the borrower and acceptance by an independent lender.

This website is not a lender or broker. It provides a service to connect consumers with independent lenders who may offer loans based on their own criteria. We do not guarantee loan approval, rates, or terms. Submission of information does not constitute a loan application.

Not all consumers will qualify for the lowest rates or largest loan amounts. Eligibility depends on individual credit profile, income, and other factors. Loan amounts and available terms may vary by state and lender.

About Our Advertising

We’re committed to giving you clear, honest information so you can make confident financial choices. Our website is free to use — we don’t charge you to compare loan options or connect with lenders. To keep our service free, we may earn a commission when you choose to work with one of our lending partners. This compensation can affect where certain offers appear on our site, but it doesn’t change the quality or independence of the information we provide.

Requested Loan Amount Notice

When you apply for a loan, the amount you’re approved for might be different from what you initially requested. This can happen if the lender reviews your credit, income, and other factors and determines you qualify for a higher or lower amount. Final loan terms and amounts are always set by the lender, and they’ll share these details with you before you make any decisions.

Material Disclosure

LoansForDebtRelief.com is not a lender, creditor, and does not broker loans or make credit decisions and therefore, has no decision in determining whether you will be approved for a loan by a lender or receive a financial product from a service provider you may connect with using the website’s services. The operators of this website offer a free infomediary service that will collect and pass the information you affirmatively provide to lenders, advertisers, networks, and other financial service providers who may secure a loan, financial product, or service for you. The typical short-term loans offered by lenders which you may connect with on this website are intended to provide temporary financing to resolve immediate financial needs or emergencies and should not be considered long-term financial solutions. This website and its owners and operators are not agents, brokers, or representatives for any lender or financial service provider you may connect with through its services and therefore, we do not endorse, recommend, or warrant any product or service and do not control the rates and fees that any lender or service provider may charge. We have no accountability or knowledge of any loan terms, rates, or details you may be presented with or agree to with a lender or financial service provider you may connect with on this website. You are encouraged to carefully review all material terms, rates, conditions, and repayment schedules of any loan offer you may receive from a lender prior to accepting a loan. You are under no obligation at any time to accept any offer from a lender. For questions, information, or concerns regarding your loan or financial service, please contact the lender or service provider directly. This website receives compensation from the lenders and financial service providers whose products and services appear on or are presented through the website in the form of a payment for each consumer request (“referral”) we pass to them. This compensation may impact which lenders you may connect with or which offers you may receive from lenders and how or where products appear on this website. Use of our website’s service is subject to the Terms of Use and Privacy Policy appearing herein.

Credit Disclosure: LoansForDebtRelief.com does not perform credit checks, obtain credit reports, make lending decisions, or issue loans. However, lenders who receive the information you provide on this website’s forms may use it to perform credit checks, which may impact your credit score. Lenders in our network, as well as our network partners, service providers, and associated third parties, may conduct credit checks before making a lending decision, using the three major credit reporting bureaus—TransUnion, Experian, and Equifax—as well as alternative sources of consumer information.
By submitting a loan request on this website, you are providing express written consent, in accordance with the Fair Credit Reporting Act (FCRA), for lenders, as well as our network partners, service providers, and associated third parties, to access your credit report, credit score, and related consumer information. This information may be used to assess your loan eligibility, verify your identity, and provide relevant financial offers.
Please note that non-payment or late payment of loans may adversely affect your credit score, especially if the lender or loan servicer chooses to report the delinquency to credit bureaus.

Availability: Providing your information on this website does not guarantee that you will be connected with a lender or financial service provider. Residents of some states may not be eligible or qualify for short-term loans based upon a specific lender’s requirements, which will vary. This website does no guarantee that submitting a request will result in you being approved by a lender or financial service provider and/or being offered a short-term loan from a lender with satisfactory terms. This website does not include all lenders available in the marketplace and you are encouraged to conduct due diligence prior to acceptance of any short-term loan and compare all available options.