Small personal loans online$100 – $5,000All credit types considered
See your options
$100 – $5,000 · funds as soon as the next business day, if approved
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A light loan for a heavy week.
FinanceBirch is not a lender. One request for $100 – $5,000 goes to a network of lenders, and each one shows its terms before you agree.
This month, maybe?
Heavy week?
One request for $100 – $5,000 to lenders in our network. Some lenders fund as soon as the next business day, if approved.
Review my optionsHow it moves
How FinanceBirch works
No branch visit. No paperwork pile. Just your phone.
- 01
Request
Pick an amount. Answer a few questions. A few minutes, start to finish.
- 02
Match
Lenders in our network review your request on their own terms.
- 03
Decide
Read any offer's rate, fees and dates. Accept it, or don't.
Speed, honestly
How fast funding really works
- Your requestA few minutes on your phone.
- A lender's answerOften within minutes. Sometimes longer.
- The depositAs soon as the next business day, if approved.
- WeekendsBanks pause deposits. Plan for the next business day.
Small personal loans online
Birch light.
APR, fees and the repayment schedule come first. Then you choose.
Before you start
Who can send a request
You'll usually need
- To be 18 or older and living in the US
- Regular income from work or benefits
- An active checking account in your name
- A phone number and email you use
Good to know
- Checking your options costs nothing
- Bad credit doesn't stop a request
- APRs vary by lender and can be high, sometimes over 200%
- Availability and terms vary by state
Questions
Small personal loans online, explained
Is there a credit check?
A lender may run its own credit check as part of considering your request. Each lender explains its own process before you agree to anything.
How quickly could I get the money?
That depends on the lender and your bank. Some lenders fund as soon as the next business day, if approved. Any offer shows its timing before you agree.
Who can send a request?
You need to be 18 or older and a US resident, with regular income, an active checking account in your name, and a phone number and email you use.
What if my credit isn't perfect?
Lenders in our network consider all credit types. A lower score can mean fewer offers or different terms, and approval is never certain, but it does not stop you from sending a request.
Is FinanceBirch the lender?
No. FinanceBirch is a referral service, not a lender. We pass your request to lenders in our network, and any offer comes from the lender, on the lender's terms.
What amount can I ask for?
Anything from $100 to $5,000. A lender may offer a different amount after its own review.
Lighten the week.
One request. $100 – $5,000. Lenders in our network take it from there.
Check my options