About SortMyLoan
SortMyLoan is a free online service that helps U.S. consumers connect with lenders for personal loans — without filling out multiple applications or visiting multiple sites.
What is SortMyLoan?
SortMyLoan is a loan-matching service that connects U.S. consumers with a network of lenders and lending partners. We are not a lender — we do not make credit decisions or originate loans. When you submit a single online request, we share your information with lenders who may extend an offer based on their own criteria. Our service is free to use; we are compensated by lenders for connecting them with consumers.
What we do
Getting a personal loan traditionally means applying to lenders one at a time — repeating the same information, fielding multiple credit checks, and comparing offers scattered across different websites. SortMyLoan exists to simplify that. You complete one online request, and we share it with lenders in our network who serve your state and consider your borrower profile. If a lender extends an offer, you review the terms and decide whether to proceed. There's no obligation, and submitting a request doesn't affect your credit score.
What we are not
We want to be completely clear: SortMyLoan is not a lender. We do not approve loans, set interest rates, determine loan amounts, or service loans. Every loan decision is made independently by the lender, based on their own underwriting criteria. Our role is limited to connecting you with lenders who might be able to help. Any loan you receive is a contract between you and the lender — not SortMyLoan.
How we make money
SortMyLoan is free for consumers. We're compensated by lenders and lending partners when we connect them with consumers who submit loan requests. This is a common model for comparison and matching services. We believe in being transparent about it — you can read the full details on our Advertiser Disclosure page. Our compensation never changes the terms a lender offers you; those are set by the lender alone.
Our commitment to your privacy and security
We take the security of your information seriously. Data you submit is encrypted in transit using 256-bit TLS, and sensitive fields — including your Social Security number, driver's license, and bank account details — are encrypted at rest using AES-256-GCM encryption. We honor privacy rights under the CCPA/CPRA and other state privacy laws, including the right to opt out of having your information shared. We also honor the Global Privacy Control (GPC) browser signal. Learn more on our Privacy Policy and Privacy Rights pages.
Responsible borrowing
A loan is a serious financial commitment. Before accepting any offer, we encourage you to compare the APR (which includes both interest and fees), review the full repayment schedule, and consider whether the monthly payment fits your budget. Short-term and small-dollar loans can carry high APRs — explore alternatives such as credit union loans, payment plans, or assistance programs where appropriate. Our borrowing guides and calculators are free resources to help you make an informed decision.
Who we serve
SortMyLoan serves consumers across the United States who are at least 18 years old, have a valid Social Security number, and have a regular source of income. Loan availability and terms vary by state due to differing consumer lending laws — see our State Disclosures page for details about specific states.
Questions?
We're happy to help. Visit our Contact page or email us directly at info@sortmyloan.com. For common questions about how the service works, see our FAQs and How It Works pages.