Connect with lenders for the loan you need

SortMyLoan is an online loan-matching service that connects U.S. consumers with a network of lenders. We are not a lender ourselves and do not make credit decisions. When you submit a request through SortMyLoan, your information is shared with lenders who can determine whether to extend an offer based on their own criteria.

Yes. There is no fee to submit a loan request through SortMyLoan. Lenders in our network may have origination fees, interest charges, or other loan-related costs that are disclosed by the lender before you agree to any loan.

Submitting a request through SortMyLoan does not affect your credit score. Some lenders in our network may perform a soft credit inquiry to assess preliminary eligibility, which is not visible to other lenders and does not impact your score. If you proceed with a specific lender's formal application, that lender may perform a hard credit inquiry, which can have a small temporary effect on your score.

The initial online request takes about two minutes to complete. If a lender extends an offer and you choose to proceed, the lender determines the timeline for final review and funding. Many lenders in our network offer same-day or next-business-day funding once final approval is complete.

Lenders in the SortMyLoan network work with a wide range of credit profiles, including borrowers with limited or imperfect credit history. Approval depends on multiple factors including verifiable income, employment, existing debt, and the lender's own criteria. There is no single minimum credit score that applies across all lenders.

Loan availability varies by state. Each state has different rules about consumer lending, including rate caps, license requirements, and product restrictions. Visit your state's page on SortMyLoan for state-specific information, or see our State Disclosures page for the latest details.

To submit a request you'll need your full legal name, date of birth, Social Security number, current address, contact information, employment and income details, and bank account information for direct deposit. SortMyLoan uses encryption to protect your data in transit and at rest.

Yes — sharing your information with lenders is how the service works. Your information is shared with lenders in our network so they can determine whether to extend an offer. SortMyLoan does not sell your information for unrelated marketing purposes. See our Privacy Policy for full details on how information is shared and your privacy rights.