See what's possible
$100 to $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
A small gap in money this week?
One free request reaches lenders who consider all credit types.
Light comes through the trees.
Check your optionsNo fine print. No runaround. Just the numbers in the open, and a network of lenders ready to look.
You tell us the amount and a few basics once. We route it to U.S. lenders and lending partners, and you decide with the terms in full view.
Three plain steps, nothing hidden.
Send one short request
Enter the amount and a few basics, about two minutes, no uploads and no signatures to begin.
The network reviews it
Your request reaches a network of U.S. lenders and lending partners in seconds, a whole room, not one desk.
See terms, decide plainly
Read anything that comes back with the numbers in the open. Take what fits, or walk away, free.
We're not a lender. We're the short, honest path to the ones who are.WalletBirch · a loan-request service
The parts that stay straight with you.
Free, and no obligation
Asking costs nothing, and nothing is owed for looking. Review any offer with zero pressure.
Soft inquiry to check
Seeing your options is a soft inquiry, it does not affect your credit score.
Bank-grade encryption
Your request travels over a 256-bit SSL/TLS connection and stays encrypted at rest.
All credit considered
Good, fair, or rebuilding, a wide network reviews every kind of request on its own terms.
Questions people ask before they start
Does WalletBirch lend the money itself?
No. WalletBirch is not a lender and does not make credit decisions. Your request goes to participating lenders; whoever responds decides and sets the terms.
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 checking my options hurt my credit score?
Checking your options won't affect your credit score. A lender may run its own credit check as part of considering your request.
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 should I have on hand before I start?
Usually a valid ID, a steady source of income, an active checking account, and a working phone and email. You must be 18 or older and a US resident.
Is there a fee to use WalletBirch?
Nothing. We are paid by lenders and partners. Loan rates and fees come from the lender and are disclosed before you sign.
When the gap can't wait, ask in plain terms.
About two minutes to send. Set your amount, share a few basics, and see what the network says.
Check your rateNot a lender
WalletBirch is a loan-request and referral service, not a lender, broker, or agent. We do not make credit decisions or set terms.
APR varies
APRs, fees, and terms are set by each lender and vary by product, state, and creditworthiness. See Rates & Fees.
No guarantee
Submitting a request does not guarantee a loan, an offer, or approval. Any lender may decline a request.
State availability
Service and products are not available in every state. See Lending Policy.
Short-term cost
Short-term credit is costly and not a long-term solution. Borrow only what you can repay. See Disclaimer.