Free · No Credit Impact · 2 Minutes

How Above Lending Works —
3 Simple Steps

From completing our short form to receiving funds — the entire Above Lending process is designed to be fast, transparent, and completely free for borrowers.

2 Min
To Check Rate
$0
Borrower Fees
Next Day
Funding Available
1 Step 1 of 3

Check Your Rate — Soft Pull Only

Start by completing our 2-minute form. Tell us how much you need (anywhere from $500 to $5,000), what you plan to use the funds for, and some basic eligibility details.

Above Lending uses a soft credit pull only for rate-checking. This means checking your rate has absolutely zero impact on your FICO credit score — regardless of whether you proceed to apply. You can check your options as many times as you like without any credit consequence.

  • Takes approximately 2 minutes to complete
  • Zero impact to your FICO credit score
  • No obligation to accept any offer
  • All credit histories welcome to apply
Soft Pull Only No FICO Impact Free to Check
Check Your Rate $2,500 Loan Purpose — Select... Continue — Check My Rate 256-bit SSL · Soft Pull Only
2 Step 2 of 3

Review & Compare Lender Offers

After checking your rate, Above Lending presents you with personalized offers from lenders in our network who have pre-assessed your eligibility. Each offer shows you the key terms you need to make an informed decision.

You can review as many offers as you receive side by side — comparing APR, monthly payment, loan term, and any fees. Take as much time as you need. There is no deadline to accept, and no pressure from Above Lending to move forward.

  • See APR, term, and payment for each offer
  • No obligation — review without committing
  • Multiple offers when available
  • Lenders are licensed and vetted
Compare Side-by-Side No Commitment
BEST MATCH 9.49% Annual Percentage Rate $115/mo Monthly Payment 24 month term Accept Offer APR 14.99% $122/mo 24 month term Review Details Choosing Best Match saves you $108 total vs. the second offer over the 24-month term All offers use soft pull only · No credit impact to compare
3 Step 3 of 3

Accept Your Offer & Get Funded

Once you've found an offer you're comfortable with, you accept directly through the lender's interface. The lender then completes their final verification (which may include a hard credit inquiry) and approves your application.

After final approval, funds are deposited directly into your designated bank account. Depending on your bank and the lender, this can happen as fast as the next business day. Above Lending does not hold or disburse funds — the lender sends them directly to you.

  • Funds deposited directly by the lender
  • As fast as the next business day
  • Repay in fixed monthly installments
  • No prepayment penalties with most lenders
Next Business Day Direct Deposit
Loan Approved! Funds are on their way $2,500.00 ✓ Applied ✓ Approved → Funded Est. 1 business day
Good to Know

What to Expect Throughout the Process

Soft Pull Rate Check

Initial rate check uses a soft inquiry only. Zero FICO score impact. Check as many times as you want.

Multiple Offer Review

You may receive offers from multiple lenders. Review each carefully before choosing. No obligation attached.

Hard Pull After Acceptance

Once you accept an offer, the lender may run a hard pull for final approval. This can temporarily affect your score.

Secure Data Handling

All personal information submitted through Above Lending is protected by 256-bit SSL encryption and never sold to third parties.

Process FAQ

Frequently Asked Questions

How long does the entire Above Lending process take from start to funding?
The rate check takes about 2 minutes. Reviewing and comparing offers takes another 5–10 minutes at your own pace. After accepting an offer, lender verification typically takes a few hours to one business day. Total time from application to funding: often 1–2 business days, sometimes same day depending on the lender and your bank.
Does Above Lending guarantee I'll receive a loan offer?
No. Above Lending connects you with lenders who may make offers based on your information, but we cannot guarantee that any lender will extend an offer. Loan decisions are made entirely by individual lenders in our network based on their own underwriting criteria. All credit histories are welcome to apply, but approval is not guaranteed.
What happens if I don't like any of the offers?
You are never obligated to accept any offer. If you receive offers but none meet your needs, you can simply close the window — there is no fee and no commitment. Your soft-pull credit inquiry has already had zero impact on your score, so you can check again in the future, consider improving your credit profile, or explore other options listed on our compare lenders page.
Is Above Lending a direct lender?
No. Above Lending is a loan matching platform, not a direct lender. We connect borrowers with a network of licensed lenders. Above Lending does not underwrite loans, set interest rates, or make lending decisions. All loan terms, APRs, and approval decisions are determined entirely by the individual lender you are connected with.
What states does Above Lending serve?
Above Lending's matching service is available in most US states. However, loan availability, terms, and APRs may vary by state due to different state lending regulations. Some loan products may not be available to residents of all states. State availability is determined at the time of application based on your residence state and the lenders in our network licensed in your state.

Ready to Start Step 1?
Check Your Rate in 2 Minutes

Soft pull only. All credit histories welcome. No cost, no obligation.

Check My Rate — Free Estimate Payments First

Soft pull only · No obligation · APR: 5.99%–35.99% · Terms: 61 days–72 months