BrainyCover
Sunrise breaking through a low cloud layer over a golden wheat field, behind the BrainyCover personal loan request form for $100 to $5,000

Personal loans online $100 to $5,000all credit types considered

Start your loan request

$100 to $5,000 · funds as soon as the next business day, if approved

256-bit SSL · Soft inquiry, no effect on your credit score · Free to request

  • All credit types considered
  • Free, no obligation
  • One request, many lenders
  • Encrypted from start to finish

Personal loans online from $100 to $5,000, when the bill lands before payday

One short request reaches lenders in our network. BrainyCover is not a lender, and checking your options won't affect your credit score.

Sound familiar?

When an expense can't wait for payday

  • Rent is due on the 1st. Payday is the 5th.
  • The brakes started grinding on Monday.
  • A dental bill nobody planned for.
  • The bank already said no.
  • Your hours got cut this month.
  • Short again, and tired of asking family.

If one of these is your week, you're in the right place. One request for $100 to $5,000 reaches lenders in our network. Some lenders fund as soon as the next business day, if approved.

See my options

How it works

A cash advance or personal loan request, online in one form

Three plain steps. The sky clears a little more at each one.

  1. Tell us what you need

    Pick an amount from $100 to $5,000 and add a few details. A few minutes on a phone.

  2. Lenders in our network review it

    One request reaches many lenders. Seeing your options is a soft inquiry.

  3. Read the offer, then decide

    If approved, the lender shows the rate, fees and dates first. Funds as soon as the next business day.

Golden wheat in soft morning light, a calm moment to read a loan offer from $100 to $5,000 before you decide

Think it through

Read every number before you say yes.

The lender sets the rate, fees and repayment dates. You see them first. Nothing is final until you sign.

How a request works

Short-term loans before payday

Before you request, four plain facts

  • BrainyCover is not a lender.

    We pass one request to lenders in our network. They make every credit decision.

  • The lender sets the terms.

    Rate, fees and repayment dates come from the lender. You see them before you sign.

  • Short-term APRs can be high.

    Some can exceed 200%. Borrow only what the payments fit.

  • Checking is a soft inquiry.

    Seeing your options won't affect your credit score. A lender may run a full check if you accept.

Questions

Asked often, answered plainly

Will checking my options affect my credit score?

No. Seeing your options uses a soft inquiry, which does not affect your credit score. If you accept an offer, the lender may run a full credit check before funding.

How much can I request?

From $100 to $5,000. The amount a lender offers depends on your income, your state and the lender's own rules.

Can I request a loan with bad credit?

Yes, requests from all credit types are considered. Lenders look at more than a score, such as income and bank history, but approval is never guaranteed.

How fast could I get the money?

If a lender approves you and you accept, funds can arrive as soon as the next business day. Timing depends on the lender and your bank.

Is BrainyCover a lender?

No. BrainyCover is a free referral service that passes your request to lenders in our network. The lender makes every credit decision and sets the rate, fees and repayment terms.

What do I need to send a request?

You need to be at least 18, have a steady source of income, a checking account in your name, and a valid email and phone number. Have your ID details ready.

When you're ready

One clear request. Then you decide.

$100 to $5,000, all credit types considered. Free to check, with no obligation to accept.

See my options