step one Fill out our online form
It takes only a few minutes to fill out our online form. Don't worry, applying won't hurt your credit score.
- 100% free service
- Online process = faster funding
- Form encrypted with HTTPS (TLS)
step two Match with a lender
Let us match you with the lenders willing to offer you the best rates and offers out there.
- Our service is 100% free!
- Lower rates = serious savings
- Quick and easy
step three Sign online and receive your funds
After approval, your money is sent straight to your bank account via direct deposit.
- Fast funding
- Hassle-free direct deposit
- Repay and rebuild your credit!
After you submit
What happens next
When you request a loan through Modern Lending Solutions, we ask for some basic personal information, as well as some financial information, such as your source of income.
The information you submit is shared with one or more participating lenders so they can review your request. If a lender can make you an offer, you may be redirected to the lender's website to finish your request. The lender shows you the APR and all other terms before you sign, and you are under no obligation to accept.
- Our service is 100% free
- Filling out the form does not hurt your credit score
- No obligation to accept an offer
Modern Lending Solutions is not a lender, loan broker or agent for any lender or loan broker, and does not make credit decisions. We offer a matching service for connecting potential borrowers with participating lenders.
Before you sign
How to check an offer
If a participating lender can make you an offer, it shows you the loan terms before you sign. Under the federal Truth in Lending rules, the disclosure for an installment loan must show these terms (Regulation Z, 12 CFR 1026.18):
- Amount financed: the credit provided to you or on your behalf.
- Finance charge: the dollar amount the credit will cost you.
- Annual percentage rate (APR): the cost of your credit as a yearly rate.
- Total of payments: what you will have paid after all scheduled payments.
Before you sign, also check:
- That the lender is licensed in your state. You can look it up with your state regulator or in NMLS Consumer Access.
- That nobody asks you to pay a fee before you get the loan. That is the mark of an advance fee scam (FTC).
- That the payment fits your budget for the whole term, not just the first month.
Your information
Where your information goes
The information you submit is shared with one or more participating lenders so they can review your request, as described above. The CFPB notes that sites like ours may share an application with several lenders, and that other companies may contact you afterwards (CFPB).
- Read our Privacy Policy and Marketing Practices before you submit the form.
- If someone contacts you about a loan, check who they are before you share anything more.
- Our guide Is a loan matching service safe? explains this step by step.