No. I
A loan is a negotiation.
The first number a bank shows you is rarely the best one. Banks compete. Rates vary. Quietly asking around — with a soft inquiry that leaves no mark — is almost always worth the two minutes it takes.
The marketplace · Est. 2020
A smarter
way to borrow.
Personal loans are not a financial emergency. They are, for many households, the right instrument at the right time — for a kitchen, a consolidation, a second opinion on what the bank is quietly charging. Money Savvy is how you find the right one.
— By the editors, for thoughtful borrowers since 2020.
Check my rate →A soft credit inquiry. No impact to your score. $1,000 to $100,000.
Our principles
Three things we believe about borrowing.
No. II
Simplicity is a feature.
Three real offers, side by side, in language you can read. APR, payment, term, fee. No hidden origination. No decision tree. No twenty-question marketing funnel before you see a number.
No. III
Your credit is yours.
Shopping your rate should not cost your score a single point. Every comparison on this site is a soft pull. The hard inquiry only ever happens if you decide to formally apply with the lender you like best.
How it works
Three considered steps.
i.
Tell us the essentials.
A few basics — the amount, the purpose, your income, your ZIP. No Social Security number required to begin. Nothing we don't need to match you properly.
— Usually two minutes.
ii.
Read three real offers.
We introduce you to our network of fifty-plus lending partners and return only the strongest matches. APR, monthly payment, term length, origination fee. The math that matters, rendered clearly.
— A soft pull. No impact to your credit.
iii.
Choose carefully, apply directly.
When you've decided, you apply with the lender of your choice and they handle everything from there. Funding is typically within one to five business days. The offer is yours; the decision is yours.
— Only then, a hard inquiry.
Begin here
What is the loan for?
i.
Consolidate debts
Combine balances into a single predictable payment.
ii.Pay off credit cards
A lower APR, a fixed term, an ending date.
iii.Home improvement
Renovations, repairs, considered additions.
iv.A major purchase
A vehicle, a wedding, a medical expense.
v.Something else
Tell us what you are financing.
Among our lending partners
— and approximately fifty more.
Answers
A few honest questions.
Will checking my rate affect my credit score?
No. Checking your rate with Money Savvy uses a soft credit inquiry — an invisible background check that leaves no mark on your credit report. A hard inquiry, the kind that can temporarily shave a few points, only happens if you decide to formally apply with the lender of your choice.
How much can I borrow, and for how long?
Personal loans in our network typically range from $1,000 to $100,000, with terms from two to seven years. Your actual offer depends on your credit profile, income, debt-to-income ratio, and the particular lender's underwriting.
Who are you, exactly?
Money Savvy is a personal-loan marketplace — a small team that spends its days making sure that asking fifty lenders a question at once is painless, fair, and free. We are not a lender ourselves. We are paid by our lending partners when borrowers they'd like to work with come to us first.
How fast is the money, if I take an offer?
For most of our partner lenders, funds arrive within one to five business days of signing. A few offer same-day funding to a verified bank account. The lender you choose will tell you their timing before you sign.
What should I actually compare between offers?
Four numbers matter most, in rough order: the APR (your true all-in cost), the monthly payment (will it fit your life), the origination fee (an up-front cut off the top), and the total cost of credit (what the loan costs you over its whole life). We show all four, side by side, with no marketing spin.
Take two minutes
See what the right offer looks like.
Three real offers, side by side. No impact to your credit. $1,000 to $100,000.
Check my rate →