A secure form that takes a couple of minutes. No paperwork, no branches, no calls to make.
Continue request
100% no fee to submit a request
We use SSL encryption to protect your data.
One ark. A whole network of lenders.
Send one request for $100 – $5,000.
Smart funds for life’s moving parts.Quick match, calm process.
- $100 – $5,000Loan range
- As fast as 1 business dayIf a lender approves
- Safe & secureEncrypted submission
Three ports of call, start to finish
No calls to make and no paperwork to post. The whole route runs in your browser.
1
Complete the form
A secure online form that takes a couple of minutes. No paperwork, no branches, no hassle.
2
Get matched
We route your request to lenders in our network. If a lender is interested, you are connected to review their offer.
3
Receive funds
If a lender approves and you accept, the lender initiates the deposit, not RateArk. Timing is set by the lender and your bank.
Send one request. Stay in control.
The parts people ask about most, stated plainly rather than buried in the footer.
A request, not an approval
We forward your request to participating lenders. Each one decides for itself whether to work with you, and on what terms. Our role is the introduction, nothing more.
We do not cold-call
RateArk places no outbound sales calls. Once your request reaches the network, a lender, and any third parties you consent to on the form, may contact you directly. You can opt out at any time.
Walk away anytime
Any offer comes with its full rate, fee and repayment terms in writing. Read it on your own schedule and walk away if it does not fit. Submitting a request never obligates you to borrow.
Rates and terms come from the lender
The lender you are connected to provides documents with all fees and rate information for the loan being offered. RateArk has no control over those terms.
Not available everywhere
This service is not available in all states. If you request a loan where such loans are prohibited, or where we have no available lender, you will not be connected to one.
Short-term loans are not a long-term fix
These loans exist to give temporary relief. If you are facing serious financial difficulty, consider other options or seek professional financial advice.
Late payments hurt your credit score
Only accept terms you can afford to repay. If you cannot pay on time, contact your lender straight away to discuss it.
Your lender, already waiting
Get a loan today for a better tomorrow
RateArk charges you nothing, at any point. These are our terms, not the lender’s. Every rate, fee and repayment schedule comes from the lender who makes you an offer.
No hidden fees
No prepayment penalties
No origination fees
100% no fee to submit a request
If you have questions about a loan inquiry, approval, funded loan, payments, or anything else about a particular loan, contact your lender or lending partner directly. If you received a loan you will already have their details. RateArk is not the lender, so we cannot answer questions about a pending or approved loan.
Compare by category
Ten categories, each with its own page of partners.
Credit cardsCompare cards on real cost
Personal loans$100 to $5,000, one request
Short-term loansSmall-dollar, short duration
Debt consolidationOne payment instead of many
MortgagesPurchase and refinance
Home improvementRoofing, windows, remodels
Auto insuranceQuotes from multiple carriers
Auto warrantyVehicle service contracts
Health insuranceMarketplace, short-term, Medicare
Pet insuranceDogs and cats
Every common question, logged
If something here is still unclear, it is worth asking before you send anything.
Is RateArk a lender?
No. RateArk is a free referral service. An ark for your request, not the lender itself. We present the request you send to a network of lending partners, and any lender who chooses to work with you sets its own rates, fees, and terms.
How large a request can I send?
You can request between $100 – $5,000. Whether a partner offers you a loan, and on what terms, is always that lender’s decision.
Does checking my options touch my credit score?
Sending a request through RateArk starts with a soft inquiry, which won’t affect your credit score. If you continue with a specific lender, that lender may run a full credit check with your authorization.
How fast could I receive funds?
Many lenders in the network transfer funds as soon as the next business day, if approved. Exact timing depends on the lender, your bank, and when your request is completed.
What does it cost to use RateArk?
Nothing. Our service is free and sending a request creates no obligation. We are paid by our network, never by you.
Where does my request go next?
We present it to our network of lending partners. If a lender wants to work with you, you move to that lender’s own site to review the exact rate, fees, and repayment schedule before you accept anything, and you are never required to accept an offer.
How is my private information protected?
We use industry-recognized security and encryption to protect your personal information. It is transmitted and stored in encrypted form. Our privacy policy sets out exactly what is collected and who it is shared with.
Ready to put your request on the water?
Free online request. Participating lenders respond with their own terms. Review every offer at your pace and accept only what works for you.
Start my request