Personal loans from $100 to $5,000, matched on more than a score.
Enter an amount and a few details. instoloan.com forwards your request to lenders that read the whole picture — not just one number. The lender sets the terms; the decision stays yours. No cost to submit.
One short request, read by lenders who look deeper
instoloan.com is a loan-request service, not a lender. We pass your request to lenders that may be willing to work with you — and we keep the mechanics out in the open.
Submit once, reach many
Skip filling out form after form. You enter your details a single time and we distribute the request to lenders across our network.
Lenders foot the bill
Our pay comes from lenders when a connection is made. Running your request through instoloan.com costs you nothing.
The real cost is shown first
Short-term borrowing can carry steep APRs. Each lender's Truth-in-Lending disclosure spells out the exact rate before you commit to anything.
No pressure to say yes
An offer doesn't vanish the moment it appears. Read the terms, run the numbers, and accept only if the payment fits your month.
Data moves under encryption
Everything you submit travels over TLS. Our Privacy Policy lays out exactly what we collect and which partners receive it.
Leaving is one click
Want the messages to stop? Use the Unsubscribe page or reply STOP to any text. Every marketing email also carries an opt-out link.
How a request moves
From amount to answer in three steps
No long application up front — just enough to route you to the right lenders, fast.
Step 01
Tell us the amount
Pick how much you need between $100 and $5,000 and add a few contact details. That's the whole first step.
Step 02
We route the request
Your request is forwarded to lenders in our network that consider a wide range of credit profiles.
Step 03
You review and choose
A lender presents terms and the exact cost. You compare, then accept or walk away — your call.
Before you submit
Questions people ask first
Does requesting a loan affect my credit?
The initial routing is typically a soft check that doesn't impact your score. A lender that wants to make an offer may run a hard inquiry — you'll be told before that happens.
How much can I request?
You can request anywhere from $100 to $5,000. The amount a lender actually offers depends on the lender's own criteria and your information.
Is instoloan.com a lender?
No. We're a request-routing service. We don't lend money or make credit decisions — lenders in our network do, and they set every rate and term.
What does it cost to use the service?
Nothing. You're never charged a fee to submit a request. Lenders compensate us when we connect them with borrowers.
What if no lender can help right now?
It can happen. If no lender in our network can serve you today, you're free to try again later or explore non-loan options such as credit counseling.
Where do I opt out?
Our Unsubscribe page accepts your email or phone for a full opt-out. For texts, replying STOP works too.
