Tell us what you need
One short request, about five minutes.
Not a lender — we match, you choose
Your cash advance, matched — with nothing hidden.
UTF matches you with lenders from a nationwide network and shows the full cost of every offer — rate, term and total — before you decide.
No impact on your score
Lenders respond
Our network sends back real offers.
Compare & choose
Every number open — you pick.
How it works
Four steps. All online.
One short path, built so you stay in control at every step.
Tell us what you need
One short request, about five minutes. No obligation to accept anything.
Lenders respond
Our network sends back real offers, each one decided independently.
Compare in plain numbers
APR, term, payment and total cost side by side — you pick.
Get funded
Sign with your lender — funds typically in 1–3 business days.
Why UTF
A marketplace built around you.
$350–$4,500
Loan range
6–35%
APR range
1–3 days
To funding
One request reaches a nationwide network of lenders — more options, less running around.
Provider 4
11.99%APR
$100
36 mo · $3,000
Provider 5
9.49%APR
$100
48 mo · $4,000
Lowest APR
Provider 6
7.99%APR
$91
60 mo · $4,500
Illustrative figures. Real offers depend on the lender, your state and your profile.
No fine print
See the whole cost. Then decide.
Some lenders tuck fees and markups into the fine print. UTF lays every number out in the open.
| UTF | Typical lenders | |
|---|---|---|
| Full APR shown | ✓ | ✕ |
| Total cost shown | ✓ | ✕ |
| All fees shown | ✓ | ✕ |
| No obligation | ✓ | ✕ |
Illustrative comparison. Actual terms vary by lender and your credit profile.
Nothing hidden
How UTF makes money.
You
Using UTF is free. No fee, no subscription, no premium tier.
UTF
We don't set your rate, and we don't mark it up.
Lenders
Lenders pay us a fee when you choose one of their offers.
Loan range
$350 to $4,500. On terms that fit.
Fixed terms from 3 to 60 months, with APRs from 6%–35% — set by the lender you choose.
Car repair
Medical bill
Rent gap
Consolidate debt
Emergency
Mobile app — iOS
Your matches, in your pocket.
Set your amount, answer a few questions and review offers from UTF Cash Advance Loans — free on iPhone.
- Matched with lenders from a nationwide network
- APR, term and amount shown up front on every offer
- Apply with your pick without leaving the app
the amount screen
Built on facts, not hype
What you can count on.
256-bit SSL encryption
Bank-grade protection across a 100% online application.
UTF is not a lender
You compare and choose — never pushed toward any offer.
Every number before you choose
Full APR, total cost and fees on each offer. No fine print.
No obligation
You're never locked in. Compare offers and walk away anytime.
Free to use
Using UTF costs you nothing — compare and choose at no charge.
No impact on your score
Comparing your options doesn't affect your credit score.
FAQ
Questions, answered.
Is UTF a lender?
No. UTF is a marketplace that matches you with lenders from a nationwide network. You compare offers and choose — we never make the lending decision or fund the loan.
Does checking my options affect my credit score?
No. Comparing your options doesn't affect your credit score. If you continue with an offer, the lender may check your credit.
How much does it cost to use UTF?
UTF is free to use. Lenders pay us a referral fee when you choose an offer — not you.
How much can I borrow, and at what rate?
Loans range from $350 to $4,500, with APRs from 6%–35% and terms from 3 to 60 months — set by the lender you choose.
How fast can I get funded?
Typically 1–3 business days after you sign with your lender. Exact timing depends on the lender and your bank.
Is my information secure?
Yes. UTF uses 256-bit SSL encryption to protect your information in transit.
Still have a question? Contact support
Your match is a few minutes away.
One request. Real offers. The full cost, in plain sight.
See your matches