By submitting you agree to be contacted by lenders in our network and to our Privacy Policy, Terms and E-Consent. BrightFunds is not a lender.
BrightFunds is not a lender. Submit and lenders in our network may reply.
Four steps from this page to a possible lender response.
Choose any amount from $100 to $5,000. You can change it inside the form.
Answer the questions on this page. No sign-up, no redirects, no extra steps.
BrightFunds is not a lender. Your completed form is sent to lenders in the network who serve your state.
A lender who sees a match may reply on-screen or follow up after you leave.
Is BrightFunds a lender?
No. BrightFunds is a connection service, not a lender. It passes your form to lenders in its network. Any loan offer you receive comes from the responding lender.
Will this affect my credit score?
BrightFunds does not run a credit check. If a lender responds and you choose to proceed, that lender may conduct their own credit review as part of their normal process.
What happens after I submit?
Your form goes to lenders in the BrightFunds network who are active in your state. A lender who finds a match may reply on-screen or contact you after you leave.
How much can I request?
You can request between $100 and $5,000. The amount a lender can actually offer depends on their own policies and what you provide in the form.
Is there a fee to use this page?
No. BrightFunds is free to use. It earns compensation from lenders in its network. Any fees a lender charges are clearly disclosed before you agree to any offer.
Most lenders in the network look for these basics.
BrightFunds is a free connection service — not a lender.
BrightFunds does not make loans. It passes your form to a network of lenders. Any offer, rate, or fee you see comes from the lender who responds — not from BrightFunds.
One form on this page reaches multiple lenders at the same time. You do not need to visit several websites or repeat the same information.
Using this page costs you nothing. BrightFunds earns from lenders in its network. Any fees a lender charges are displayed in their offer before you agree to anything.
Submitting is not a commitment. If a lender responds, read their full terms before agreeing. You can leave at any point with no penalty.
This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where BrightFunds does not have an available lender, you will not be connected to a lender. Our Lending Policy has current state availability. Rates & Fees explains how rates and terms actually work once you are matched with a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender's rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. BrightFunds is not a lender and does not make loan or credit decisions. BrightFunds connects interested persons with a lender from its network of approved lenders. BrightFunds does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. BrightFunds may receive compensation from lenders in its network. See our Advertising Disclosure. BrightFunds's service is always free to you. Submitting a request is not a guarantee of being matched or approved.
By submitting your information via this website, you are authorizing BrightFunds and lenders in its network to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize BrightFunds to share your information and credit history with a network of approved lenders. See Credit Authorization.
Lender's Disclosure of Terms. The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender's internal policies, underwriting criteria and applicable law. BrightFunds has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.