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Request a Personal Loan From $200 to $5,000

Q: Will submitting a request affect my credit score?

Lenders in the network typically use a soft credit check to show initial offers, which does not affect your score. If you accept an offer, the lender may run a hard inquiry.

Q: How fast could I get the money?

It depends on the lender. Many online lenders fund within a few business days after you accept an offer.

Q: What if I don't get an offer?

Consider a payday alternative loan from a federal credit union, a payment plan, or a nonprofit credit counselor.

Takes about 5 minutes · You’re not committing to a loan

1Request
2Details
3Offers

Riverstone is a marketplace, not a lender We never charge you to submit a request See our privacy policy

Free to use No obligation to accept Offers from multiple lenders Full cost shown up front

What happens next

We share your requestYour details go to lenders in our network that lend in your state.
You compare offersLenders that can work with you show the APR, fees, payment and term.
You decideIf you accept, you finish with that lender, which approves and funds the loan.

Have these ready

Government-issued photo ID
Social Security number
Income details, such as a recent pay stub
Checking account and routing number

Terms at a glance

Amounts$200–$5,000

Terms3–36 mo

Max APR35.99%

Representative example: a $1,000 loan repaid over 12 months at 24.99% APR, with no origination fee, has 12 monthly payments of $95.04, for a total of $1,140.47.

Questions before you apply?

Email our team at [email protected] and we’ll walk you through it.

Before you apply

Three Checks That Can Save You Money

Borrow only what you need

Every extra dollar adds interest. Check the monthly payment fits your budget with our free calculators.

Know what rates look like

See average APRs by credit score and lender type, so you can tell a fair offer from an expensive one.

Compare APR, not just payment

APR includes fees and must be disclosed under the Truth in Lending Act. It’s the fairest way to compare offers.

Application FAQ

Questions About Applying

Does applying cost anything?

No. Submitting a request through Riverstone is free, and you’re never obligated to accept an offer. A legitimate lender won’t ask you to pay a fee before you receive a loan.

Will submitting a request affect my credit score?

Lenders in our network typically use a soft credit check to show initial offers, which doesn’t affect your score. If you accept an offer and complete the lender’s application, the lender may run a hard inquiry.

Who decides whether I’m approved?

The lender. Riverstone is a marketplace, not a lender. Each lender reviews your request and decides whether to make an offer and on what terms.

How fast could I get the money?

It depends on the lender you choose. Many online lenders fund within a few business days after you accept an offer and verify your details.

What if I don’t get an offer?

You can still look at alternatives, such as a payday alternative loan from a federal credit union, a payment plan with the company you owe, or free advice from a nonprofit credit counselor.

Please borrow responsibly. Rates, fees, terms and availability vary by lender and state, and not every applicant will qualify. Late or missed payments may lead to fees, collection activity and harm to your credit.