MoneyGator - A Smarter Way to Borrow

A smarter way to borrow

Get money fast, deposited right to your bank. Compare offers from top lenders and find the perfect loan for your needs.

256-bit SSL Encryption
Same-Day Funding

Ready to get started?

Complete our quick form and get matched with lenders offering loans from $100 to $35,000.

Start My Request →

Getting the right loan has never been easier

We understand that every need is different. That's why we offer a variety of loan options.

Personal
Loans

Bad Credit
Loans

Emergency
Loans

Cash Advance
Loans

Debt
Consolidation

Get the money you need in just three steps

We've made it easy to request, connect, and get funded—all in just a few clicks.

1

Submit your request

Our fast and secure online form can be completed in just 2 minutes.

2

Review top lender offers

Our lenders consider all credit score ratings, from no rating to excellent!

3

Receive your funds

Select your lender and receive your funds as soon as the same day.

People trust MoneyGator — and here's why!

With over 2 million requests each year, here's what our users are saying about their experience.

"I was surprised how quick and easy the whole process was. Got approved within hours and had money in my account the next day!"

MJ

Michael J.

Austin, TX

"After being turned down by my bank, MoneyGator connected me with a lender who actually considered my situation. Highly recommend!"

SR

Sarah R.

Phoenix, AZ

"The comparison tool helped me find a much better rate than I expected. The whole experience was transparent and stress-free."

DW

David W.

Denver, CO

Smart borrowing starts with the right comparison

Here's a representative example of interest rates, terms, fees, and total repayment costs.

Details $1,000 $2,000 $5,000 $10,000
Interest Rate (APR) 24% 19% 13% 8%
Loan Term 12 Months 24 Months 48 Months 60 Months
Other Fees/Costs (%) 5% 5% 5% 5%
Other Fees/Costs ($) $50 $100 $250 $500
Monthly Payments $99.29 $105.86 $140.84 $212.90
Number of Payments 12 24 48 60
Total Payments $1,191.48 $2,540.64 $6,760.32 $12,774.00

Let us answer your questions

Find answers to the most common loan questions. We are happy to help.

A personal loan is a way for an individual to receive up to $35,000 in funding. It is a loan that can be used for home enhancements, luxury item purchases, vehicle repairs or large purchases. The length of the loan is called the term and can range all the way up to 180 days, depending on the lender. Our simple online form does not contain any long questions. Instead, it asks for your basic information and a location for where you would like the loan to be sent to. It is that easy!
To qualify for a loan through our network of lenders, you typically need to be at least 18 years old, a U.S. citizen or permanent resident, have an active checking account, have a valid email address and phone number, and have a regular source of income. Specific requirements may vary by lender.
MoneyGator does not charge any fees to use our service. However, the lenders in our network may charge origination fees, late payment fees, or other charges. All fees will be clearly disclosed before you accept any loan offer. Always review the terms and conditions carefully before accepting a loan.
APR ranges from 5.99% up to 35.99% for qualified customers. Repayment periods range from a 91-day minimum up to a 72-month maximum. The actual APR and repayment terms you receive will depend on your creditworthiness, loan amount, and the lender's terms.
Repayment terms vary by lender. Most lenders offer automatic payment withdrawal from your bank account on scheduled due dates. You can typically also make payments manually through the lender's website or by phone. Contact your lender directly for specific payment options and schedules.
We take your privacy seriously. We use 256-bit SSL encryption to protect your data during transmission. Your information is only shared with lenders in our network for the purpose of evaluating your loan request. We never sell your personal information to third parties. For more details, please review our Privacy Policy.

One click. One form. That close.

Get fast, secure, and personalized loan options in minutes.

Get Started Now →