FrontPay
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Check your rate →

Check your rate in about two minutes

A soft credit inquiry, so your score is untouched. You will see every product you qualify for with its full cost written out — and you are free to accept none of them.

One application

One form, every product you qualify for

You do not have to pick a product first. Fill this in once and we show you everything your income supports — advance, flex, installment or credit line — each with its APR, payment and total repaid written out side by side. Then you choose, or you choose none of them.

Before you start

  • It will not affect your score Checking uses a soft inquiry, which is invisible to other lenders.
  • Nothing here commits you Seeing an offer is not accepting one. Close the tab and nothing happens.
  • Have your bank details to hand The account your pay arrives in, open at least 60 days.
  • Approved before 2:00 PM ET? Money can reach you the same business day.

Approval is not guaranteed and depends on your income, bank activity and state of residence. Products and maximum amounts are not available in every state. Full terms on the disclosures page.

Secure application

256-bit encrypted

What happens after you submit

We verify who you are

An electronic identity check against public records, usually done in seconds. It is not a credit check and has no effect on your score.

You link your account

Read-only and encrypted. We read 60 to 90 days of deposits to confirm income. Your banking password is never shown to us or stored.

You compare and choose

Every product you qualify for, side by side, each with its APR, payment and total repaid. Accept one, or none.

The whole sequence is set out in detail on how it works, including funding cut-off times and what happens on your repayment date.

Quick answers

Will applying hurt my credit score?

No. Checking your rate uses a soft inquiry, which other lenders cannot see and which has no effect on your score. A FrontPay Advance involves no credit check at all. Only accepting an Installment Loan triggers a hard inquiry, and you are told before that happens.

How much can I ask for?

Anything from $200 to $5,000, in $50 steps. Which product that maps to depends on the amount — the loan amounts page shows a worked payment example for each one.

What if my income is benefits rather than wages?

It counts the same. Social Security, SSDI, SSI, VA disability and pension, railroad retirement and state unemployment all qualify, provided the deposit is electronic and recurring. See borrowing on benefit income for the detail, including the Direct Express obstacle.

What if I am declined?

You receive the specific reason in writing, as federal law requires. There is no waiting period and no penalty for applying again once the underlying situation has changed. If you need money now and we cannot help, a credit union payday alternative loan is capped at 28% APR, and dialling 211 connects you to local emergency assistance.

See all 19 questions and answers →