Small loans, steady steps$100 – $5,000All credit types considered
Tell us the amount
$100 to $5,000 · if a lender approves, money can arrive the next business day
Encrypted form · costs nothing to ask · you can say no
- Encrypted form
- Nothing to pay us
- All credit types considered
- One form, several lenders
Sometimes one small stone is all that's in the way.
A dead battery, a short paycheck, a co-pay you forgot about. Ask for $100 to $5,000 once and lenders in our network can answer. PebbleFunds is not a lender.
The usual suspects
A two-hundred-dollar gap can feel like a wall.
You fill in one form and lenders in our network decide whether they can help. If one approves you and you accept, some send funds the next business day.
Ask onceHave these handy
What lenders usually ask for
- Age 18+ and a US addressSome states are not served.
- Regular incomeWages, benefits or your own business all count.
- A checking account in your nameMoney goes in here, and repayments come out.
- A phone and an inbox you checkThat's where an offer, if any, will reach you.
Stepping stones
Three stones across the creek
You ask. Lenders answer. You decide, with every number in front of you.
- I
Fill in the short form
How much, how to reach you, and where your income comes from. Most people finish on their phone in a few minutes.
- II
A lender may reply
Lenders in our network read the request. Each makes its own call, and some won't make an offer.
- III
You read, then choose
An offer lists the APR, every fee and each due date. Sign it, or close the page and owe nothing.
Small loans, steady steps
Clear water, nothing hidden.
You see the whole cost before you agree to it.
Reading an offer
Five lines worth reading twice
Lenders write the terms. These are the parts to look for on any offer.
| APR | Interest and fees shown as a yearly rate. On short-term loans it can be high, sometimes above 200%. |
|---|---|
| Finance charge | The dollar amount the loan costs you, on top of what you borrow. |
| Repayment schedule | When each payment is due and how much it is. |
| Late and bounced-payment fees | What a missed or returned payment costs, in writing. |
| Extensions | Whether you can push the due date back, and the price of doing so. |
PebbleFunds sets none of these numbers; they change by lender and state. If the payment schedule doesn't fit your budget, borrow less or don't borrow.
Asked often
Straight answers
My credit score is low. Can I still ask?
Yes. Lenders in our network look at all credit types. A lower score may mean fewer offers or a higher cost, and nobody can promise approval, but you can still send the form.
Who actually lends the money?
A lender in our network, never PebbleFunds. We forward your request; the lender makes the offer and sets the terms.
How much can I request?
Between $100 and $5,000. The lender may come back with a smaller or different amount.
Will my credit be checked?
Possibly. A lender may check your credit while reviewing your request, and it will explain how before you accept.
When would the money land?
It depends on the lender and your bank. If you're approved and accept, some lenders deposit the next business day; the offer states the date.
Who is eligible to ask?
US residents 18 or older with regular income, a checking account in their own name, and a working phone number and email.
Clear the stone out of the path.
One form, $100 to $5,000, read by lenders in our network. Asking is free and you sign nothing until you decide.
Go to the form