Check your options

See your options

$100 - $5,000 · as soon as the next business day, if approved

256-bit SSL · Checking your options won't affect your credit score · Free to ask

Short-term loan request · not a lender

Wallet looking thin this week?

One free request. Lenders show you real terms before you accept.

No bluffing, just options.

Check your options

How it works

Tell us what you need

Complete the short request form. All data is transmitted over TLS encryption.

Lenders consider

Lenders in our network review your request independently and make their own underwriting decisions.

Accept or decline

Approved offers come from the lender. If you accept, the lender funds the loan. Funding timing varies by lender; some lenders may fund as fast as the next business day.

Before submitting

Questions people ask before they start

Who actually makes the loan?

A lender in our network does, not us. WalletBluff is not a lender, broker or agent of any lender; we only connect your request.

What is the range I can ask for?

Requests generally run from $100 to $5,000. Not every lender offers the top of the range, and the amount you are offered depends on the lender, your state and your situation.

Will this show up on my credit report?

Sending the request does not change your score. A lender may run its own credit check as part of considering your request, which can involve the major bureaus.

When would funds reach my account?

Many lenders deposit as soon as the next business day after approval and acceptance, but the timing is set by the lender and your bank.

What do I need to send a request?

Have your income details, checking account and contact information ready. You need to be at least 18 and live in a state where the service is available.

What does it cost to use WalletBluff?

WalletBluff costs you nothing. If a lender makes you an offer, review its rates and fees carefully before you accept.