Cash Out

The most loved way to get paid as you work
  • Transfer up to $150/day, up to $750/pay period, to a linked bank1
  • No interest, no credit check, no mandatory fees2
  • Over 19 million downloads — and counting

Early Pay

Get your paycheck up to 2 days early in your bank
  • Get your pay up to 2 days earlier (or sooner)3
  • No need to switch your bank
  • Your money, your speed

Balance Shield

The stress-free way to protect your bank balance
  • Help avoid overdraft fees and low balances
  • Stay in the loop with real-time notifications
  • Turn on optional auto-transfers of $1005

Credit Monitoring

Get moving on your credit goals

Guide Money Borrowing LLC

Online loans
designed for you

  • Same-day funding available
  • Personal service
  • No hidden fees
Actual Prequalified Rates

Actual Prequalified Rates

If it’s not a real rate, it’s not legitimate.

No mysteries. No bait-and-switch. You see genuine prequalified rates for loans available to you, with no impact on your credit score. Checking rates on our platform is completely free.
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No Spam, No Surprises

Built to safeguard your privacy

Our marketplace is designed to shield you from unwanted marketing and aggressive sales calls. We minimize the personal data we collect and only share it with lenders when you give us permission.
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Fair and Transparent

Our only priority is you

We refuse to accept payment to prioritize products, sell your data, or obscure fees. You’ll know exactly what your cost breakdown is before choosing a lender.
Quick answers to questions
What are the eligibility requirements to apply for an online personal loan?
The first step in applying for a loan through Guide Money Borrowing LLC is to fill out our online loan application. To be eligible for a lending product through Guide Money Borrowing LLC, potential borrowers must:
- Be 18 years or older
- Have a bank account (checking account or saving account)
- Reside in one of the states in which we currently operate
- Have a regular source of income (Income can be from employment or from benefits including Social Security, Disability, etc. Please note: alimony, child support, or separate maintenance income is optional to include)
- Receive income through direct deposit
How much can I apply for?
Consumer products offered through the Guide Money Borrowing LLC website range from $500 to $4,000, but your eligibility will depend on your state of residence, your income and ability to repay, and your creditworthiness. For more information about the product options and lender(s) in your state, please visit our Rates and Terms page.
How are Guide Money Borrowing LLC online personal loans different?
We truly care about our customers and work hard to be flexible for each of our customer's unique situations. We want to make sure borrowers get the best loan from one of our bank partners made through the Guide Money Borrowing LLC Lending Platform.
Unlike some financial institutions (and quite unlike payday loans), bank partners don't charge origination fees or prepayment fees on loans originated through the Guide Money Borrowing LLC Lending Platform. Loans originated through the Guide Money Borrowing LLC Lending Platform charge simple, fixed rate interest and contain no hidden fees.
Loans made by our bank partners through the Guide Money Borrowing LLC Lending Platform do not base funding decisions exclusively on FICO credit scores or credit history.
Further, Guide Money Borrowing LLC reports payments to all three major credit bureaus to help borrowers in good standing build their credit history.
What is an online personal loan?
Online personal loans are unsecured installment loans offered by some online lenders and traditional banks. Broadly, online credit products may take the form of a line of credit, a cash advance, or other loan options.
Online personal loan offers should clearly disclose the loan's APR (annual percentage rate), the term, and any fees such as finance charges.
What can you use an online personal loan for?
Online personal loans can be used for a wide variety of family and household purposes. Maybe you're looking for a loan to help consolidate debt from multiple credit cards, or maybe you need to fund an expensive home improvement or car repair. Also, if you're looking to turn bad credit into good credit, the right online personal loan may help you do that.
Guide Money Borrowing LLC customers have used their loan amounts for:
- Car repair loans
- Home repair loans
- Debt consolidation loans
- Loans to help pay off medical debt
Whatever your reason for searching online lenders (and whether you have excellent credit, bad credit, or you land somewhere in the middle), there are terms and conditions of the loan that you'll want to understand. Borrowers should always be clear on the interest rate, repayment terms, and whether or not the lender will run a hard or soft credit check.
How does repayment of a personal loan work?
Guide Money Borrowing LLC believes in matching borrowers with the best possible loan for them. If we're able to provide you with an online personal loan product, we want to make sure your repayment options are both clear and affordable across the life of the loan term.
Guide Money Borrowing LLC offers multiple recurring payment options including ACH and paper check options. For single payments, debit cards are also accepted.