Payday, personal & title loans: get $100 to $5,000 with one short form
Free to use. About 3 minutes. Bad credit OK to apply. No obligation. Get matched with lenders in our network that serve your state.
Choose a loan type
Payday loans
Small, short-term loans ($100–$1,000) repaid on your next payday. Available in 29 states, with fast decisions.
Personal & installment loans
$500–$5,000 repaid in monthly installments. Smaller payments spread over months; bad credit OK to apply.
Car title loans
Borrow against your car's value and keep driving it. Larger amounts, fast decisions.
How it works
- Tell us what you need. One secure form, about three minutes.
- We match you. Your request goes to lenders in our network that serve your state.
- Review the offer. The lender shows the APR, fees and schedule before you sign — you're never obligated.
- Get funded. Money is deposited directly to your bank account, often the next business day.
What you need
- 18+ and a US resident
- Steady income (job or benefits)
- Checking account in your name
- Working phone and email
Popular guides
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Tools
See what you'll repay.
Personal loan calculatorSee your monthly payment.
Title loan calculatorWhat your car could borrow.
See if you qualifyOne short form, about 3 minutes.
Frequently asked questions
Is Zebra Finance a lender?
No. We are a free, privately owned matching service. You fill out one form and we share it with lenders and lending partners in our network who may make you an offer. The lender sets the amount, rate and terms.
Is Zebra Finance a government agency?
No. Zebra Finance is a private company and is not affiliated with any federal or state government agency.
How much can I borrow?
Lenders in our network offer from about $100 to $5,000. Payday loans are usually $100–$1,000; personal installment loans and title loans can be larger. State law limits what lenders can offer where you live.
Will checking offers hurt my credit?
No hard credit inquiry on our end. Lenders in our network may check your credit, including alternative credit data, before making an offer.
How fast can I get money?
Many lenders decide within minutes and deposit funds as soon as the next business day after you sign.
What do I need to apply?
Typically: be 18 or older and a US resident, have a steady source of income, an active checking account in your name, and a working phone and email.
Loans by state
Available Limited / CSO model Not available from state-licensed lenders
Payday loans by state · Title loans by state · Personal loan rates by state