$100 to $5,000 · all credit types considered
Check your loan options
$100 to $5,000 · as soon as the next business day, if approved
Secure SSL · soft inquiry · free to request
- Free to request
- Checking won't affect your credit score
- All credit types considered
- Not a lender
Personal loans online, $100 to $5,000, when one part of the month breaks down
GearboxShield is a loan referral service, not an insurer. One request goes to lenders in our network, and you decide.
How it works
Request
One short form with the amount.
Review
Lenders in our network look at it.
Decide
Accept only if it fits. Funds as soon as the next business day, if approved.
When the month slips a gear
- The transmission needs work.
- A bill landed early.
- Rent and childcare in one week.
- A medical copay.
- Fewer shifts this month.
A free request shows what lenders in our network may offer.
Before you sign
- We're not a lenderGearboxShield passes your request to lenders in our network.
- Terms come firstLenders show the APR, fees and dates before you sign.
- Borrow carefullyShort-term loans can be expensive.
Answers
Is GearboxShield an insurance company?
No. Despite the name, GearboxShield doesn't sell insurance of any kind. It's a free loan referral service: we pass your request to lenders in our network, and they make every credit decision.
Will checking my options affect my credit score?
No. Checking your options uses a soft inquiry, which doesn't affect your credit score. Lenders may verify your details and check your credit, including with alternative credit bureaus, as part of reviewing your request.
How much can I request?
Anything from $100 to $5,000. The amount a lender offers depends on its own review and your state's rules, so it can be lower than what you asked for.
How soon could the money arrive?
If a lender approves you and you accept, funds can arrive as soon as the next business day. Timing depends on the lender and your bank.
Can I send a request with bad credit?
Yes. All credit types are considered and many lenders look at income as well as your score. Approval isn't guaranteed, and your credit can affect the terms you're offered.
What will it cost?
That depends on the lender, the amount and your state. Short-term loans can be expensive. The lender shows you the APR, fees and repayment dates before you sign, and you can say no.