Tell us what you need
A few short steps — amount, purpose, contact details, address and pay date. About five minutes. No obligation to accept anything.
How it works
Four steps. All online.
UTF brings several loan options into one place. You tell us what you need, lenders respond with real offers, you compare in plain numbers, then you decide. We are not a lender — each lender decides independently whether to make an offer and on what terms.
About five minutes
The process
From request to funding.
One short path — built so you stay in control at every step.
Lenders respond
Your request reaches lenders in our network. Each one decides independently whether to present an offer and on what terms.
Compare in plain numbers
See amount, APR, term and payment side by side. Walk away anytime — UTF never pushes you toward a specific lender.
Get funded
Accept an offer and finish with that lender. Funding typically takes 1–3 business days after you sign — timing depends on the lender and your bank.
In more detail
What happens at each stage.
Step 1 — Your request
You share the basics needed to match: how much you want to borrow, what it's for, where you live, when you get paid, and how to reach you. A request is not an application for credit and does not guarantee an offer, approval, or specific terms.
Step 2 — Matching
UTF routes your request to lenders that may fit. We do not underwrite you, set your rate, or decide who gets funded. Lenders apply their own criteria. Coverage differs by state, and some residents will not be eligible.
Step 3 — Comparison
Offers you see may include loan amounts from $350 to $4,500, terms from 3 to 60 months, and APRs from 6%–35%. Actual offers vary by lender, applicant and state. Not every applicant qualifies. Compare APR, term, payment and total cost — not just the monthly number.
Step 4 — Your lender
When you accept, your agreement is with that lender under its terms. Review disclosures carefully. After that, payments, payoff and account support come from the lender — not from UTF.
Credit checks
No score impact to compare. Hard pull only if you proceed.
UTF does not perform a hard credit pull so you can compare offers, and comparing your options doesn't affect your credit score.
If you accept an offer and continue with a lender, that lender may review your credit with a hard inquiry and may ask for more verification before final approval and funding. Each lender sets its own policy — read their disclosures before you apply.
More detail: Credit Authorization and APR Disclosure.
You stay in control
Compare. Decide. Or walk away.
No obligation
Using UTF is free. You are never required to accept an offer.
Clear numbers
APR, term and amount up front — so you can compare without fine-print surprises.
Your choice
We don’t push a "recommended" lender. You pick — or leave.
Important
UTF is not a lender.
We operate a loan marketplace. We do not originate, fund, or service loans. We do not guarantee approval or specific terms. For questions about a loan you have already accepted, contact that lender directly. For everything else, contact support.
See your matches