I.
You Submit
One secure request covering identity, income and banking — the details every lender must review.
Advertising referral service
A considered approach to short-term borrowing.
Submit a single request. We present it to lenders in our network, and a lender who can help shows you the rate, the fees and the total cost before you agree.
Requests accepted from $500 to $5,000
No cost to submit and no obligation to accept
Submitting a request involves no hard credit inquiry by us
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✓ Lenders only
Begin Your Request
🔒 SecureWe are not a lender. Compensation may be received from lenders.
How a Request Proceeds
Three defined stages, with your decision at the end of each one.
II.
We Present
Your request is presented to lenders whose criteria may align with your profile.
III.
You Review
A lender who can assist will contact you with terms: rate, fees and the repayment schedule.
One Request, or Many Applications
Approaching lenders individually means repeating the same disclosures — and frequently a hard credit inquiry each time.
| Consideration | Fund Otter | Applying individually |
|---|---|---|
| Forms to complete | One | One per lender |
| Lenders reached | Several, one after another | One per form |
| Cost to you | $0 | $0, but considerable time |
| Obligation | None | None, but repeated effort |
Rates, Fees and Disclosure
Fund Otter is an advertising referral service, not a lender, and does not set rates. Your rate and terms are determined by the lender and depend on your profile, your state and the amount requested.
| What your lender must show you before you agree | |
|---|---|
| Amount | The amount the lender offers |
| Term | Number and dates of payments |
| APR | The yearly cost, including interest and fees |
| Payment | The amount of each payment |
| Total repayable | Everything you will pay back |
These depend on the lender, your state, the amount, the term and your credit. There is never a fee for submitting a request through Fund Otter.
Frequently Asked Questions
Does submitting a request affect my credit score?
Sending your request through Fund Otter doesn't involve a hard credit pull by us. Lenders who review your request may check your credit, with the major credit bureaus or with alternative credit reporting agencies, and a lender may run a full credit check before you accept an offer. Each lender explains its own process.
Is there any cost to submit?
None. Submitting a request is free of charge. Interest and fees arise only from a lender whose offer you elect to accept, and must be disclosed to you before you sign.
May I request with an imperfect credit history?
Yes. Each lender applies its own criteria, and the network includes lenders who consider a broad range of credit profiles.
How quickly will a lender make contact?
A lender who can help may contact you by phone, text or email. Timing depends on the lender, your profile and current lender availability.
Am I obliged to accept any offer presented?
You are not. Submitting a request creates no obligation whatsoever. You may review any offer, ask questions, and decline.
More questions? Read the full FAQ →