How It Works

From the moment you hit Continue to the moment a lender funds your loan, here's what happens step by step.

1. You submit a short request

You give us the basics: how much you want to borrow, your name, your email, and (optionally) what the loan is for. We don't ask for your Social Security number, your bank account, or your date of birth at this point. Submission travels over HTTPS/TLS encryption.

2. We route to lenders in our network

lendinblue.com forwards your request to participating lenders and lending partners. Most decisions are made by automated underwriting in seconds during business hours. If no one in our network matches today, we'll let you know.

3. The lender presents an offer (if approved)

If a lender wants to extend you credit, they'll present a written offer with the Annual Percentage Rate, fees, repayment schedule, and other Truth-in-Lending Act disclosures. Read it carefully. You have no obligation to accept.

4. You decide

If the offer fits your budget, sign electronically on the lender's site. If it doesn't, walk away. Nothing is binding until you sign.

5. The lender funds (not us)

If you accept the offer, the lender deposits funds into the bank account you provided on their form. lendinblue.com does not deposit money and does not control funding timing — that's between you, the lender, and your bank.

What we do not do

• We do not lend money.
• We do not approve or deny credit decisions.
• We do not set rates, fees, or repayment terms.
• We do not guarantee a match or a particular APR.

Alternatives worth considering first: a credit-union "payday alternative loan" (28% APR cap), a paycheck advance from your employer, a 0%-intro credit card if your credit allows, or talking to a non-profit credit counselor.