Compare real loan offers before you commit to anything.
Real rates from real lending partners, reviewed in minutes — not a single-number guess at what you might get.
Check My Options
From application to offer in four simple moves
No lengthy forms, no runaround. Here's the entire path from telling us your situation to reviewing real numbers.
Tell us where you stand
Share your income, employment, and what the funds are for. It takes a few minutes and never triggers a hard credit check.
We search the network
Your profile is matched against partners actively funding situations like yours — not run through a generic script.
Line up your offers
See real rates and repayment terms side by side, in plain English, before you decide anything at all.
Pick what works & move
Choose the offer that fits. Approved funds typically land in your account within a business day or two.
Whatever brought you here, there's a path for it
Every situation prices differently, and the partners in our network structure loans accordingly. Here's where most people in our network land.
Consolidate & simplify
Fold several high-rate balances into one predictable payment — often at a lower blended rate than juggling them separately.
Break the minimum-payment cycle
Trade revolving interest that compounds against you for a fixed rate and an actual payoff date.
Cover a big expense
Finance a home repair or vehicle without touching the cushion you've built.
Handle what wasn't on the calendar
A medical bill or urgent repair rarely waits for payday. Move on it without leaning on high-interest credit cards.
Checking your options costs you nothing
There's no fee to see what you might qualify for, and no obligation once you do. The initial check runs on a soft pull, so looking never dings your score. People make better decisions when they can actually see them clearly first.
- Soft credit check only — see options with zero score impact
- No obligation to accept anything we show you
- Real terms from real lenders, not ballpark estimates
What people actually say
Two other lenders turned me down over one late payment from years back. Electric Funding's partner looked at what I'm earning now instead of digging up old history.
"Seeing three real offers laid out the same way, side by side, turned a stressful decision into an easy one."
"My AC died in July. I didn't have three weeks to shop around — I had an offer to review by the next afternoon."
See what you actually qualify for
It takes a few minutes, costs nothing, and won't touch your credit score. Worst case, you walk away with more information than you had five minutes ago.
Check My OptionsGet your real offers — free to check.
Share a few basics and we'll match you with vetted lending partners so you can compare real offers, not a single-number guess. Approval, amount, rate, and terms are set solely by the participating lender.
By checking the consent box and clicking “Continue” / “Submit”, you agree to our Terms & Conditions and Privacy Policy, provide your electronic signature under the E-SIGN Act, and grant prior express written consent under the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) authorizing Electric Funding and its Marketing Partners (including Alleviate Financial Solutions, Monevo, Americor, Tri-Point Lending, Trusta Financial, Reset Lending, and Liberty First Lending LLC) to contact you by call or text (including via ATDS, artificial/prerecorded or AI voice, or ringless voicemail) even if on a Do-Not-Call list. Consent is not a condition of purchase or credit. Additionally, by clicking on the “Continue” button above, I am providing express written consent under the Fair Credit Reporting Act for Electric Funding, its partners (including Monevo and Alleviate Financial Solutions), to obtain my consumer credit report from my credit profile or other information from a Credit Bureau(s) in order to provide me with personal loan and debt consolidation options without affecting my credit score.
Important Lending, Financial Services, Fair Credit Reporting Act (FCRA), E-SIGN & Telephone Consumer Protection Act (TCPA) Disclosures
Lead Generator & Service Disclosure: Electric Funding is a marketing lead generator and referral network and is not a lender, law firm, CPA firm, or government agency, does not make credit or lending decisions, and cannot guarantee approval, loan amount, settlement outcome, rates, or terms. We connect applicants with participating Financial Services Companies and Direct Buyers / Resolution Desks and may share your application information with them; we may be compensated by participating partners for this service. We do not charge an application fee. Programs and loans are not available in all states, and amounts, rates, and terms vary by state and provider.
Fair Credit Reporting Act (FCRA) Written Consent: Additionally, by clicking on the “Continue” button above, I am providing express written consent under the Fair Credit Reporting Act for Electric Funding, its partners (including Monevo and Alleviate Financial Solutions), to obtain my consumer credit report from my credit profile or other information from a Credit Bureau(s) in order to provide me with personal loan and debt consolidation options without affecting my credit score.
TCPA Prior Express Written Consent (47 U.S.C. § 227) & E-SIGN Disclosure: By checking the consent box and submitting a request on this website, you provide your electronic signature under the E-SIGN Act and grant prior express written consent under the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) authorizing Electric Funding and its designated Marketing Partners (including Alleviate Financial Solutions, Monevo, Americor, Tri-Point Lending, Trusta Financial, Reset Lending, Liberty First Lending LLC, and participating Financial Services Companies and Direct Buyers / Resolution Desks) to contact you at the telephone number (including wireless/mobile numbers) and email address provided via recurring marketing, promotional, and informational calls and SMS/MMS text messages using an automated telephone dialing system (ATDS), artificial or prerecorded voice, AI-generated voice, or ringless voicemail, even if your telephone number is currently listed on any Federal, State, or corporate Do-Not-Call (DNC) registry. Consent is strictly voluntary and is not a condition of purchasing any goods or services or obtaining credit or financing. Message and data rates may apply; message frequency varies. Reply STOP at any time to opt out of text messages or HELP for assistance.
View Full Directory of Designated Marketing Partners, Direct Buyers (42) & Participating Financial Services Companies (100)
Credit Profile & Loan Marketplace Partners: Monevo, Alleviate Financial Solutions.
Direct Buyers & Lending / Resolution Desks: Americor (Americor Funding LLC / Americor Holdings LLC), Tri-Point Lending (Tripoint Lending), Trusta Financial, Reset Lending, Liberty First Lending LLC, Lift Lending, Element Financial (Element Tree), Summit Debt Group (Summit DG), KeyShot Funding, United Holding Group (UHGP), 1West Finance (1West), RoundSky Inc. (RoundSky), Payless Now, AVTax Legal Group, Direct Business Funding Desk (MCA DFN / Direct Funding Now), Clear Debt Financial, Alleviate Financial Solutions, Springview Financial, Sea Coast Lending, My Debt Solution (MDS), Amerigard Financial, Venture Media, MX United, AG Debt Relief, Alliance Tax Defense, Omni Tax Resolution (OMN), Ovation Tax Group, Logiqs, Alliance Funding Group (AFG), Mulholland Investment Group (Select Funding), National Funding (QuickBridge), Momen Legal Services, P.C. (MLS), Consumer Legal Group (CLG), Go Ads LLC, Paraclete Law, P.C., Monevo, Engine by MoneyLion (Fiona), LendingTree, SmartCredit, Oasis Financial, Walker Advertising (Los Defensores), 4LegalLeads.
Participating Financial Services Companies: Freedom Debt Relief LLC, National Debt Relief LLC, Accredited Debt Relief LLC, Pacific Debt Relief Inc., CuraDebt Systems LLC, New Era Debt Solutions Inc., ClearOne Advantage LLC, Century Support Services LLC, Beyond Finance LLC, JG Wentworth Debt Relief LLC, Oak View Law Group APC, Premier Debt Help LLC, Guardian Debt Relief LLC, Timberline Financial LLC, Alleviate Financial Solutions, Landmark Debt Relief Corp., Harborstone Debt Settlement LLC, BlueHarbor Debt Solutions LLC, Bridgewater Financial Relief LLC, ClearPath Credit & Debt Relief Corp., Pinnacle Debt Resolution Group LLC, Sovereign Debt Advocates Inc., Cornerstone Debt Settlement Partners LLC, Redwood Debt Relief Advisors Inc., SilverCreek Debt Resolution LLC, Meridian Point Debt Relief Solutions, First Harbor Debt Settlement Services LLC, Summit Peak Debt Relief Advisors, Avalon Coast Debt Resolution Partners, Granite State Debt Relief Solutions LLC, Highland Park Debt Settlement Group LLC, Anchor Point Debt Relief Services Inc., Patriot Ridge Debt Resolution Group, Trident National Debt Relief LLC, Upgrade Inc., Upstart Network Inc., Avant LLC, Prosper Funding LLC, LendingClub Bank N.A., Best Egg (Marlette Funding LLC), OneMain Financial Group LLC, SoFi Lending Corp., LightStream (Truist Bank Division), Happy Money Inc., Monevo, Universal Credit Services LLC, Reach Financial LLC, NetCredit Loan Services LLC, Mariner Finance LLC, OppFi (Opportunity Financial LLC), Republic Finance LLC, Regional Finance Corp., Heights Finance Corp., World Finance Corp., Security Finance Corp., First Heritage Credit LLC, Sun Loan Company, Covington Credit Inc., Southern Finance LLC, Lendmark Financial Services LLC, SpringLeaf Consumer Loan Group LLC, Apex Meridian Personal Lending LLC, Beacon Crest Personal Loans Corp., Crestview Consumer Finance Corp., Vanguardia Personal Lending Solutions LLC, NorthStar Personal Credit Inc., Clearwater Consumer Lending Inc., Optima Tax Relief LLC, Community Tax LLC, Anthem Tax Services LLC, Fortress Tax Relief LLC, Precision Tax Relief LLC, Ideal Tax Solution LLC, Larson Tax Relief Inc., Tax Defense Network LLC, Victory Tax Lawyers LLP, Tax Group Center Inc., Benchmark Tax Relief Group LLC, Tax Hardship Center LLC, StopIRSDebt.com (Stop IRS Debt LLC), Five Star Tax Resolution LLC, Fresh Start Tax Relief Advisors LLC, Tax Rise Inc. (TaxRise), Wynn Tax Solutions LLC, Polston Tax Resolution & Accounting, Rush Tax Resolution LLC, Justice Tax LLC, Lifeline Tax Relief Group LLC, Tax Network USA Inc., Eagle Tax Resolution Partners LLC, Liberty Tax Resolution Services LLC, Sovereign Oak Tax Relief Advisors, Keystone Direct Tax Resolution LLC, Oakridge National Tax Relief LLC, Centurion Tax Defense Group Inc., Evergreen Tax Resolution Partners LLC, Frontline Tax Relief Advisory Inc., Westgate Tax Resolution Services LLC, Monarch Direct Tax Relief LLC, Solstice Tax Resolution Partners LLC.