Frequently Asked Questions
Last updated: 2026-08-04
Does submitting a request cost me anything?
No. Sending a request through SecureLendNet is free. If you do accept a loan, whatever fees come with it are the lender's, and they'll show you those before you agree to anything.
Can I even use this where I live?
Depends on your state. The Lending Policy page has the current list of places this isn't available yet, worth a quick check first.
My credit isn't great, or I've been turned down elsewhere, is this worth trying?
Possibly, lenders in our network set their own criteria, and some do consider applicants with less-than-perfect credit. We can't promise you'll be matched, but sending a request through SecureLendNet is free and doesn't commit you to anything.
What do lenders in your network typically look for?
It varies by lender, but the basics most look for are: you're 18 or older, a U.S. resident in a state where this is offered, have an active bank account, and some form of regular income. Meeting those doesn't guarantee an offer, each lender still decides on its own, but it's usually the starting point.
Will this show up on my credit report?
Sending a request through SecureLendNet on its own doesn't touch your score. If a lender you're matched with runs a credit check, that's their process, see Credit Authorization for how that works.