AdvancePointlyGet started
AdvancePointly
Loan request
$100 to $5,000Soft inquiryFree, no obligation
A secure form that takes a couple of minutes. No paperwork, no branches, no calls to make.

Continue request

$100 to $5,000Loan range
1 business dayAs fast as, if approved
FreeNo fee to submit

100% no fee to submit a request

We use SSL encryption to protect your data.

One form. Every lender on the chart.

Send one request for $100 to $5,000. AdvancePointly plots it to a network of lending partners, and the partners who can help respond.

  • $100 to $5,000Loan range
  • 1 business dayAs fast as, if approved
  • FreeNo fee to submit
Your route

Three waypoints, start to finish

No calls to make and no paperwork to post. The whole route runs in your browser.

WAYPOINT 01

Complete the form

A secure online form that takes a couple of minutes. Tell us the amount, a few basics about income and banking, and you are done.

Start my request

1.What the form asks

Contact details, an income source and an active bank account. Have them handy and it usually takes a few minutes.

2.Soft inquiry first

Seeing your options starts with a soft inquiry, which does not affect your credit score.

3.Encrypted end to end

Your details travel and sit in encrypted form. Our privacy policy lists exactly what is collected.

4.No cost, no obligation

Sending a request is free and commits you to nothing. You can stop at any point.

WAYPOINT 02

Get matched

We plot your one request to lenders in our network. If a lender is interested, you are connected to review their offer.

How matching works

1.A request, not an approval

Each lender decides for itself whether to work with you, and on what terms. Our role is the introduction.

2.How lenders are chosen

Lenders in the network bid for requests. The highest available bidder is connected to you. Our service stays free to you.

3.We do not cold-call

AdvancePointly places no outbound sales calls. A lender, or a third party you consent to on the form, may contact you directly.

4.Not available everywhere

If you request a loan where such loans are prohibited, or where we have no available lender, you will not be connected.

WAYPOINT 03

Receive funds

If a lender approves and you accept, the lender makes the deposit, not AdvancePointly. Timing is set by the lender and your bank.

Common questions

1.Rates and terms come from the lender

The lender provides documents with every fee and rate for the loan being offered. We have no control over those terms.

2.Read it on your schedule

Any offer arrives in writing. Walk away if it does not fit. Submitting a request never obliges you to borrow.

3.As fast as one business day

Many lenders transfer funds as soon as the next business day, if approved. Weekends and holidays can add time.

4.Late payments hurt your credit

Only accept terms you can afford to repay. If you cannot pay on time, contact your lender straight away.

Your lender, already waiting

A loan today, plotted for a better tomorrow

AdvancePointly charges you nothing, at any point. Every rate, fee and repayment schedule comes from the lender who makes you an offer.

Start my requestHow it works
$0Hidden fees
$0Prepayment penalties
$0Origination fees

100% no fee to submit a request. If you have questions about a loan inquiry, approval, funded loan, payments, or anything else about a particular loan, contact your lender directly. AdvancePointly is not the lender, so we cannot answer questions about a pending or approved loan.

Soft inquiry to start

Checking your options will not affect your credit score. A lender only runs a full check if you proceed with its offer.

Encrypted submission

Your information is transmitted and stored in encrypted form, and shared only with the network you send it to.

Free, with no obligation

Sending a request costs nothing. Review any offer at your own pace and accept only what works for you.

Where your request travels: you, AdvancePointly, the lender network and your offer around one requestYOUADVANCEPOINTLYLENDER NETWORKYOUR OFFERYourrequestLOAN REQUESTSOFT INQUIRY FIRSTONE SHORT FORMLENDERS BIDMATCHED TO LENDERSTERMS IN WRITINGACCEPT OR WALK AWAY
  1. You send one short form. It starts with a soft inquiry.
  2. AdvancePointly routes the request to the lender network. Lenders bid for it.
  3. A lender that wants to work with you sends its offer with the terms in writing.
  4. You decide. Accept only what fits, or walk away. Nothing obliges you.
Where your request travels

One request, one clear route

AdvancePointly is the introduction, never the lender. This is the whole journey, with nothing hidden between the steps.

Rates and terms come from the lender

The lender you are connected to provides documents with all fees and rate information. AdvancePointly has no control over those terms.

Not available everywhere

This service is not available in all states. Where we have no available lender, you will not be connected to one.

Short-term loans are not a long-term fix

These loans exist to give temporary relief. If you face serious financial difficulty, consider other options or seek professional advice.

Late payments hurt your credit score

Only accept terms you can afford to repay. If you cannot pay on time, contact your lender immediately to discuss it.

Plain terms

Send one request. Stay in control.

The parts people ask about most, stated plainly rather than buried in the footer.

AdvancePointly
A request, not an approval
We forward your request to participating lenders. Each one decides for itself whether to work with you, and on what terms. Our role is the introduction, nothing more.
We do not cold-call
AdvancePointly places no outbound sales calls. Once your request reaches the network, a lender, and any third parties you consent to on the form, may contact you directly. You can opt out at any time.
Walk away anytime
Any offer comes with its full rate, fee and repayment terms in writing. Read it on your own schedule and walk away if it does not fit. Submitting a request never obligates you to borrow.
How we are paid
AdvancePointly receives compensation from its lenders, often through a bidding model in which the highest available bidder is connected to you. Our service is always free to you.
Credit checks and authorization
By submitting, you authorize AdvancePointly and its partners to perform a credit check and to share your information with the lending network. Full detail is in the Credit Authorization page.
Compare by category

Nine channels, one chart

Each category has its own page of partners, with real links and plain-language guides.

Credit cardsCompare cards on real costPersonal loans$100 to $5,000, one requestShort-term loansSmall-dollar, short durationDebt consolidationOne payment instead of manyMortgagesPurchase and refinanceHome improvementRoofing, windows, remodelsAuto insuranceQuotes from multiple carriersAuto warrantyVehicle service contractsHealth insuranceMarketplace, short-term, Medicare
Bearings

Every common question, logged

If something here is still unclear, it is worth asking before you send anything.

Is AdvancePointly a lender?
No. AdvancePointly is a free referral service, not a lender. We present the request you send to a network of lending partners, and any lender who chooses to work with you sets its own rates, fees and terms.
How large a request can I send?
You can request between $100 and $5,000. Whether a partner offers you a loan, and on what terms, is always that lender's decision.
Does checking my options touch my credit score?
Sending a request through AdvancePointly starts with a soft inquiry, which will not affect your credit score. If you continue with a specific lender, that lender may run a full credit check with your authorization.
How fast could I receive funds?
Many lenders in the network transfer funds as soon as the next business day, if approved. Exact timing depends on the lender, your bank, and when your request is completed.
What does it cost to use AdvancePointly?
Nothing. Our service is free and sending a request creates no obligation. We are paid by our network, never by you.
Where does my request go next?
We present it to our network of lending partners. If a lender wants to work with you, you move to that lender's own site to review the exact rate, fees and repayment schedule before you accept anything. You are never required to accept an offer.
How is my private information protected?
We use industry-recognized security and encryption to protect your personal information. It is transmitted and stored in encrypted form. Our privacy policy sets out exactly what is collected and who it is shared with.
Transparent and secure

Built so nothing about your request is hidden.

Transparency

AdvancePointly is not a lender. Our advertising disclosure explains how we are paid and how that can affect what you see. Every policy is one tap away, on every page.

Advertising disclosureHow it works

Security

SSL encryption in transitStored in encrypted formSoft inquiry to start
Privacy policy
Start my request