Ask once.Lift the whole thing.
$100 to $5,000. One short request goes to the lenders and lending partners in our network, and whoever wants to make an offer comes back to you.
FundLift is not a lender and is not one of them. We are paid by a lender when a request we pass on results in a funded loan, which is why this costs you nothing.
What this is
FundLift is not the lender.
We pass your request to lenders and lending partners. They decide whether to offer you anything, and they set every rate, fee and term. We are not a party to what you sign.
It costs you nothing.
No fee to use this site, and no fee at any later point. We are paid by a lender when a request we pass on results in a funded loan.
Asking does not touch your score.
Our form runs no credit check of any kind. A lender you are connected with may run one before making an offer, always with your consent.
The most you can ask for
From $100 up to it. A lender decides what, if anything, to offer inside that range.
$0
What FundLift charges you
Not before, not after. A lender pays us when a request we pass on is funded.
50%
Minnesota’s all-in ceiling
On a consumer small or short-term loan — with no other charge permitted on top of it.
18+
Who can ask
A US resident with money coming in regularly. Not available in New York, West Virginia and Vermont.
How it works
What happens after you ask.
You say how much
An amount and a name above, then one short form. No documents to upload, nothing to scan, and no credit check on this site.
It goes out at once
Your request reaches the lenders and lending partners in our network together, not one after another. FundLift does not review it, score it, rank it or hold it back.
Some answer, some do not
Each lender decides on its own and at its own speed. Silence from one is a normal outcome, not a fault in the request.
You are asked, not committed
Whoever wants to make an offer contacts you with their own rate, fee and term. You are committed when you sign their agreement, and not one moment before.
What it costs
Nothing from us. The rest in writing.
Who pays for this
Not you.
A lender pays FundLift, and only if a request we passed on becomes a funded loan. That is the entire business model. Nothing on this site asks you for a card — not to ask, not to compare, and not after an offer lands.
Before you sign
The APR, not the monthly payment
A small payment over a long term can cost far more than a larger one over a short term. The APR is the number that compares two offers.
The total you will repay
Principal plus every charge, by the end. A lender has to show it; if you cannot find it, ask before you sign.
Anything taken out up front
Some lenders deduct a fee from the amount they send. Borrowing $2,000 and receiving $1,850 is not the same deal.
Which chapter your loan is under
In Minnesota that depends on the size and shape of the loan, and it changes which rules apply to it.
Minnesota, all-in
50%
A consumer small loan or short-term loan may not exceed a 50% annual percentage rate, and no other charge or payment is permitted in connection with it (Minn. Stat. §§ 47.60, 47.601). The rate is the price — there is no fee sitting on top of it.
The ability-to-pay line
36%
Above this all-in APR the lender must run a documented ability-to-pay analysis: your debt-to-income for the loan period, evidenced by net income, major financial obligations and basic living expenses. It is a check on them, not a hurdle for you.
Where the cap applies
$350
A consumer small loan is unsecured, for a consumer purpose, $350 or less, and repaid in a single instalment. Most of the $100–$5,000 range is larger than that and is made under other Minnesota chapters with their own rules — so read the offer you are sent, not this page.
Everything else.
A loan is not a long-term answer to a shortfall that repeats. Weigh the total cost of credit before you borrow. If something here contradicts a document a lender sends you, the lender’s document governs your loan — FundLift governs nothing, it describes what we do.
What you need
18 or older, a US address, money coming in regularly, and an open checking account. No collateral, no co-signer, and no particular credit score before you are allowed to ask.
Where we cannot help
Requests are not accepted from residents of New York, West Virginia and Vermont. Availability elsewhere depends on which lenders are licensed in your state, and that is not something this site can change.
When you are committed
When you sign a lender's agreement, and not before. Reading an offer, taking your time with it and declining it costs you nothing.
What a lender may charge in Minnesota
A consumer small loan or short-term loan is capped at a 50% annual percentage rate, and no other charge or payment is permitted in connection with it (Minn. Stat. §§ 47.60, 47.601) — the rate is the whole price. A consumer small loan means an unsecured, consumer-purpose loan of $350 or less repaid in a single instalment; most of our range is larger and is made under other Minnesota chapters, so read the offer you are sent. Above a 36% all-in APR the lender must document that you can afford the loan before making it.
What happens to what you type
Your request goes to lenders and lending partners in our network so they can contact you about a loan. FundLift does not sell your details as a list, and the privacy policy sets out every category we share and why.
What we never ask for
A fee, ever — before, during or after. Anyone who contacts you asking for an up-front payment to release a loan is not us and is not a lender we work with. Stop, and write to help@fundlift.net.
Who you are dealing with
One company. One board.
FundLift is a free advertising and connection service, not a bank and not a lender. One office in Minneapolis, and a desk that answers during the hours below.
Write to the deskThe company
FundLift LLC
a Minnesota limited liability company
The office
212 Washington Avenue North, Suite 400
Minneapolis, Minnesota 55401
The desk
(612)-584-0319
Mon–Fri, 9am–6pm Central
In writing
help@fundlift.net
Answered on business days
$100 to $5,000. No fee to ask.
One short request, no fee, and no credit check on this page.