Post the request
Amount, contact details and a few questions about your income and checking account. A few minutes on a phone, encrypted the whole way.
Sent once, securely
Personal loan requests$100 – $5,000All credit histories read
Post your request
$100 – $5,000 · as soon as the next business day, if approved
256-bit SSL · Checking your options won't affect your credit score · Free to send
- Encrypted end to end
- No charge to look
- Read, whatever your credit history
- One request, many readers
The bills are posted. The paycheck is still on its way.
Post one short request and a network of lenders reads it. $100 – $5,000, and checking your options won't affect your credit score.
Mile by mile
The road from request to reply, in three posts.
You write the first post. Lenders answer at the second. The third one is yours to read before anything is signed.
Post one
Post two
Lenders read it
Your request travels to a network of lenders and lending partners. Each one reads it against its own rules and decides for itself; nothing is promised on their behalf.
Replies often within minutesPost three
Read the offer, then decide
If a lender makes an offer, its rate, fees and repayment dates come first. Take it, or close the page owing nothing to anyone.
If approved, as soon as the next business dayPinned to the board
What got pinned to the board this month.
- The insurance premium renewed itself nine days before the deposit.
- Two birthdays and a school fee landed in one pay period.
- The fridge went quiet on a Saturday night.
- The parking ticket doubled while you waited for Friday.
- The electric company moved its billing date. Your employer did not.
- You have already borrowed from next month once this month.
If one of those is pinned to your week, the form at the top of this page is where to start. One request, $100 – $5,000, read by a network of lenders. Some fund as soon as the next business day, if approved.
Post my request
Down the line
Nothing hidden past the next post.
Your request goes to lenders exactly as you wrote it. Any offer comes back with its rate, fees and dates in plain view before you agree to a thing.
How the request travelsOur three posts
What we hold the line on.
NewPostFinance is not a lender. One request, carried to lenders who decide on their own terms, with the same three things true every time.
- I
Not a lender, and clear about it
We carry your request. Lenders make every decision and set every term, and we never dress that up as anything else.
- II
No charge, no obligation
Sending a request costs nothing, and no offer binds you until you sign it with the lender.
- III
Your score stays where it was
Checking your options is a soft inquiry. It won't affect your credit score. A lender may run its own check later if you go ahead.
Short reads
What to know before the request leaves your hands.
Three plain guides, each one answering a question people ask in the minute before they press send.
After you send
What happens after you send a loan request
Matching, the lender's own application, where a credit check happens, and the moment the decision becomes yours.
Read the guide →TimingACH cutoff times and your loan deposit
Why "next business day" is the honest answer, what a cutoff time is, and what weekends and holidays do to it.
Read the guide →CostWhat a small loan really costs
APR against the finance charge, total repayment, the fees to look for, and how to compare two offers in two minutes.
Read the guide →Questions
The questions that arrive before the request does.
Is NewPostFinance a lender?
No. NewPostFinance is a connection service. Your request is read by a network of lenders and lending partners, and any offer comes from the lender, on the lender's own terms. We do not approve, decline or fund anything.
Does sending a request affect my credit score?
Checking your options won't affect your credit score; it is a soft inquiry. If you go ahead with a lender's own application, that lender may run a fuller credit check, and you will be asked to authorize it first.
How much can I ask for?
Between $100 and $5,000. Lenders set their own limits, so the amount offered can be lower than the amount you asked for, and not every lender can offer the top of the range.
How soon could the money arrive?
That depends on the lender and on the time of day you finish. Many lenders send funds by bank transfer as soon as the next business day, if approved. Requests finished late in the day, on weekends or on bank holidays usually land one business day later.
What do I need to have ready?
Your contact details, a rough idea of your income and how it arrives, your checking account details, and a few minutes. You do not need paperwork to post the request; a lender may ask for more if it makes an offer.
What does it cost to send a request?
Nothing. Sending a request through NewPostFinance is free and carries no obligation. Any cost belongs to the loan itself, and the lender must show you that cost before you sign.
Back to the top
One request, posted once. The rest is reading.
$100 – $5,000, sent to a network of lenders. Free to send, and nothing is signed until you choose to sign it.