Just BorrowLoans are what we do

No. Just Borrow is a free U.S. loan-information and connecting service. An independent lender decides whether to offer a loan and sets its terms. Loan requests are completed in a third-party request form after a security check.

You may be considered with bad credit, but approval is never guaranteed. Lenders can consider income, existing debts and other eligibility factors alongside your credit history. A request can result in a smaller offer or no offer, even if you meet the basic requirements.

Do not assume a $5,000 loan is available without a credit review. A soft inquiry does not affect your score, while a hard inquiry can. Read the supplier’s and lender’s credit authorizations before proceeding. Choosing an amount on this page does not run a credit check.

The basic request requirements include stable income of at least $1,000 a month, an active checking account, age 18 or older and residence in a supported U.S. state. Lenders may require more income or apply additional criteria. Meeting this threshold does not establish that a $5,000 loan is affordable or guarantee approval.

The maximum request is $5,000. The amount a lender may offer depends on your state, income, current financial commitments and its assessment. The amount you choose is a request, not an approved loan limit, and you do not need to request the maximum.

A lender may review a request within minutes, and same-business-day funding may be possible after approval, signing and verification. Neither instant approval nor same-day funding is guaranteed. Other loans may take one or two business days or longer, depending on the lender and your bank.

As an illustration, $5,000 over 36 months at a fixed 24% APR with no fees costs about $196.16 a month. Total repayment is approximately $7,061.91, including $2,061.91 in interest; the final payment may adjust for rounding. This is not an offer or a typical rate. Your payment depends on the actual APR, fees and repayment term.

A supplier request may ask for identity, address, income, employment and checking-account details. A lender may also request pay stubs, bank statements or other verification. Enter application details only in the supplier’s request form; do not send financial documents or Social Security numbers to Just Borrow support.

A personal loan is borrowing for a personal expense; an installment loan is repaid through scheduled payments over an agreed term. The same loan can be both. Check the payment frequency, APR, fees and total repayment rather than relying on the product name alone.

No. You can decline before signing if the APR, fees or repayment schedule do not work for you. Using Just Borrow does not commit you to borrowing. If you accept a lender’s agreement, its repayment terms apply, so read the full offer before deciding.