Personal financing made simple

Leverage your personal credit score for up to $250K in unsecured capital.
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Quick & Painless
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Why Lenders Pocket?

We provide an easier, faster alternative to traditional borrowing by presenting only the best options for your financial situation.

100% Unsecured Capital

Finance whatever your heart desires with 100% unsecured, freely spendable lines of credit.

Lower Interest Rates

Maximize your savings with interest rates as low as 0% APR during introductory periods.

No Upfront Fees

Quickly access the funds you need with no upfront costs or application fees.

No Collateral Required

Pledge no collateral and keep your assets safe while leveraging your personal credit score.

No Employment Verification

Bypass the typical wage-earner stereotype and get funding with no employment verification.

No Income Verification

Simply state your annual income and get the money you need with no income verification.
Chris Ingram
I was able to obtain $135,000 to start my real estate investment company after repeatedly being turned down by mortgage and private money lenders.
Eddie Davis
We received $50,000 in the first 4 days. That allowed us to invest in another truck to fulfill a contract that earned us a return of three times the investment!
Francine Capers
I'm still amazed at how quick and easy the process was! Your team answered all my questions and helped me secure the capital I needed to start my business.
Brad Gardner
I contacted Lenders Pocket after being abruptly laid off due to "downsizing" and got $72,000 to bridge the gap with no proof of employment or collateral.
Paul Reed
My wife and I were able to purchase more inventory and run a successful marketing campaign to help us expand our presence in Florida. Thanks guys!
Laura Fields
The banks wouldn't take me seriously but Lenders Pocket helped me get the money I needed to keep my business afloat during the slower months.
Unique experiences and past performances do not guarantee future results! Testimonials herein are non-representative of all clients; certain accounts may have better or worse performance than that indicated.

Streamlined Process

We've developed a simple, yet modern process to get you the capital you need as quickly and smoothly as possible.

Submit an application

Complete our simplified, quick and easy online application to get pre-qualified for up to $250K in unsecured capital.

Receive a response

You receive a response from our team regarding your funding eligibility and capacity within the first 48 hours.

Submit to lenders

Your profile is submitted to the top lenders in our network to get you the most capital with the best terms and conditions.

Receive your funds

You receive your funds by mail within ten business days and pay a competitive 12% back-end service fee upon completion.
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Transparent Pricing

We’ve assembled a transparent fee structure so you know exactly what you’ll pay without worry of any hidden or additional fees.

No Down Payment

Worry less and finance more with no down payment or upfront fees.

No Application Fee

Pay absolutely nothing to apply with our simplified paperless application.

One-Time Success Fee

Get access to revolving lines of credit and only pay a one-time 12% success fee.

Low Interest Rates

Borrow smarter and save big with 0% APR introductory interest rates.

Simple Requirements

Here's a short list of requirements so you know what your credit profile should look like to qualify for funding.
You must have a credit score of 680 or higher to qualify for personal funding.
All of your revolving balances must be below 60% of your overall credit limit.
You must have three or more primary lines of credit with a history of at least two years.
You must not have more than four inquiries per credit bureau within the last 90 days.
You must not have any bankruptcies within the last five years on your credit report.
You must not have any collections, judgments, or late payments within the last 12 months.
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Don't meet the requirements?

Get qualified in as little as 30 days.
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Frequently Asked Questions

We've assembled a list of commonly asked questions so you know what to expect when employing our service.

How much money can I get?

You can request any loan amount ranging from $20,000 to $250,000. It is important to keep in mind that the amount you will be able to obtain will depend on your creditworthiness and other factors as determined by the lenders in our network.

What are the qualifications?

You'll need a credit score of 680 or higher, all revolving balances below 60% utilization, at least three open and seasoned primary lines of credit, less than five inquiries per bureau within the last 90 days, no bankruptcies within the last five years, and no collections, judgments, or late payments within the last 12 months.

How long does it take?

The pre-qualification process generally takes between one and two business days to complete and another two to ten business days for you to receive your capital. Please note that some decisions may take longer if information needs to be verified.

Are there any upfront fees?

Absolutely none. As a success-fee driven company, we lower the barriers to entry and walk you through the entire process with no upfront fees. In other words, we don't get paid unless you do and all payments are due upon successful funding.

What will my rates be?

We work with many lenders offering a variety of loan products. That being the case, there is no way to explicitly guarantee an exact APR as no two credit profiles are the same and rates are determined on a case-by-case basis. While results may vary, most cards offer a 0% APR for the first year.

Are you a direct lender? is not a direct lender. Our sole purpose and intent is to connect consumers seeking personal loans with our network of trusted lenders and provide the best options for their financial objectives and current financial situation.
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Still have questions?

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