A car repair
The bill that decides whether you get to work on Monday.
Atlanta, GA · Mon–Fri, 9am–6pm Eastern
One request. Every lender on the board.
$100 to $5,000. You say how much, we plug it through to the lenders in our network, and whoever wants to make an offer calls you. We are not one of them.
$100 to $5,000
Not a lender
No fee to ask
No credit check on this site
One short request
18+ and a US resident
You choose the amount
FundLane never sells you a loan
How it works
What happens after you ask.
- 01
You say how much
An amount and a name here, then one short form. No documents to upload, nothing to scan, and no credit check on this site.
- 02
The board takes it
Your request is passed to the lenders and lending partners in our network. FundLane does not review it, score it, rank it or hold it back.
- 03
Lines light up
Each lender decides on its own and at its own speed. Some will not answer at all — that is a normal outcome, not a fault in the request.
- 04
Someone calls you
Whoever wants to make an offer contacts you with their own rate, fee and term. You are committed when you sign their agreement, and not one moment before.
The most you can ask for
From $100 up to it. A lender decides what, if anything, to offer inside that range.
$0
What FundLane charges you
Not before, not after. A lender pays us when a request we pass on is funded.
$3,000
Where Georgia’s line falls
A loan of this size or less is governed by the Installment Loan Act and the lender must be licensed. Our range crosses it.
18+
Who can ask
A US resident with money coming in regularly. Not available in New York, West Virginia and Vermont.
What this is
01
FundLane is not the lender.
We pass your request to lenders and lending partners. They decide whether to offer you anything, and they set every rate, fee and term. We are not a party to what you sign.
02
It costs you nothing.
No fee to use this site, and no fee at any later point. We are paid by a lender when a request we pass on results in a funded loan.
03
Asking does not touch your score.
Our form runs no credit check of any kind. A lender you are connected with may run one before making an offer, always with your consent.
What it costs
Nothing from us. Everything else in writing.
Who pays for this
Not you.
A lender pays FundLane, and only if a request we passed on becomes a funded loan. That is the entire business model. Nothing on this site asks you for a card — not to ask, not to compare, and not after an offer lands.
Before you sign
Four things to read on any offer.
- 1The APR, not the monthly paymentA small payment over a long term can cost far more than a larger one over a short term. The APR is the number that compares two offers.
- 2The total you will repayPrincipal plus every charge, by the end. A lender has to show it; if you cannot find it, ask before you sign.
- 3Anything taken out up frontSome lenders deduct a fee from the amount they send. Borrowing $2,000 and receiving $1,850 is not the same deal.
- 4Whether they are licensed hereIt decides which rules apply to your loan — and in Georgia that depends on the size of it.
Georgia, in full
On a loan of $3,000 or less, the Georgia Installment Loan Act (O.C.G.A. § 7-3-1 et seq.) requires the lender to be licensed and caps interest at 10% a year of the face amount of the contract.
That figure is not what the loan costs.
The same section (§ 7-3-14) separately permits a loan fee of up to 8% of the first $600 of the face amount plus 4% of the rest, and a $3 maintenance charge for every month of the term. Those sit on top of the interest, which is why the APR — the one number that adds them all together — is the number to compare. Whatever the total, it may not reach the level that violates O.C.G.A. § 7-4-18, Georgia’s criminal usury statute.
Above $3,000 a different set of rules applies — our range of $100 to $5,000 crosses that line, so the answer depends on how much you ask for. Payday lending is a crime in Georgia (O.C.G.A. § 16-17-1 et seq.); FundLane does not advertise payday loans and does not pass requests to payday lenders.
What people ask for
A gap, not a plan.
A medical bill
The part the plan did not cover, arriving weeks after the treatment did.
A vet bill
Not optional, not plannable, rarely small.
A security deposit
First month, last month, and the one you get back later.
Moving costs
A van, a deposit, and a week of paying for two addresses at once.
Tools for work
The equipment the job assumed you already owned.
A utility catch-up
Clearing arrears before they become a disconnection.
A gap before payday
Days, not months — and only when the arithmetic actually works out.
If the same shortfall comes back every month, borrowing against it makes the month after that harder, and no rate on any offer changes that arithmetic.
Everything else.
A loan is not a long-term answer to a shortfall that repeats. Weigh the total cost of credit before you borrow. If something here contradicts a document a lender sends you, the lender’s document governs your loan — FundLane governs nothing, it describes what we do.
01
What you need
18 or older, a US address, money coming in regularly, and an open checking account. No collateral, no co-signer, and no particular credit score before you are allowed to ask.
02
Where we cannot help
Requests are not accepted from residents of New York, West Virginia and Vermont. Availability elsewhere depends on which lenders are licensed in your state, and that is not something this site can change.
03
When you are committed
When you sign a lender's agreement, and not before. Reading an offer, taking your time with it and declining it costs you nothing.
04
What a lender may charge in Georgia
On a loan of $3,000 or less the lender must be licensed under the Georgia Installment Loan Act, and interest is capped at 10% a year of the face amount of the contract. That is the interest line only: the same section also permits a loan fee and a monthly maintenance charge on top of it, so read the APR rather than the rate. Payday lending is a crime in Georgia and is not something we advertise or pass requests to.
05
What happens to what you type
Your request goes to lenders and lending partners in our network so they can contact you about a loan. FundLane does not sell your details as a list, and the privacy policy sets out every category we share and why.
06
What we never ask for
A fee, ever — before, during or after. Anyone who contacts you asking for an up-front payment to release a loan is not us and is not a lender we work with. Stop, and write to help@fundlane.net.
Who you are dealing with
One company. One board.
FundLane is a free advertising and connection service, not a bank and not a lender. One office in Atlanta, and a desk that answers during the hours below.
Write to the deskThe company
FundLane LLC
a Georgia limited liability company
The office
1201 West Peachtree Street NW, Suite 2300
Atlanta, Georgia 30309
The desk
(404)-591-0268
Mon–Fri, 9am–6pm Eastern
In writing
help@fundlane.net
Answered on business days
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$100 to $5,000. No fee to ask.
See my options
One short request, no fee, and no credit check on this page.