Founded in 2001 and based out of Lewes, DE, is a company that helps individuals with primarily poor credit ratings find the right personal lender to fit their needs. can help you with a wide range of loan types—anything from medical to business loans—all of which comes at no charge whatsoever. is not registered with the Better Business Bureau, but they are relatively active on social media, with more than 1,000 Facebook likes. Overall, most customer reviews appear to be positive—any that were not appear to have been quickly addressed by a representative. Credit Scores

It’s important to note that, prior to submitting your loan application, will request that you obtain a credit score from one of their partner companies, and then include this information in your application.

Based on the description on their website, these companies appear to be “credit monitoring services,” who will initially provide you with a free report, but will bill you monthly if you fail to cancel the service. With this in mind, if you do decide to obtain your credit report from one of these companies, make sure to cancel your subscription before the free trial expires.

How Works is a free service that helps match you with lenders for the following types of loans:

  • Personal Loans
  • Motorcycle Loans
  • Medical Loans
  • Auto Loans
  • Computer Loans
  • Vacation Loans
  • Boat Loans
  • Business Loans

It’s important to stress that does not actually provide you with a loan. Instead, the company matches you with a lender in their network that can best meet your needs based on factors such as credit rating, total loan amount, and so forth.

Before beginning, it’s recommended that you look at the different loan requirements by state, which can provide you with important details such as loan amounts and maximum APR, as well as handy tools such as a loan calculator.

To begin the application process, you’ll first enter your first and last names, email address, and zip on the homepage. After clicking “Next,” you’ll be redirected to an area where detailed information can be entered, including driver’s license number, home ownership status, source(s) of income, employer information, and more.

After this information has been entered, simply press the “Apply Now” button, and will forward your information to the lender(s) that can best meet your specific needs. One handy feature about the website is that if you have questions in the middle of your application, you can chat live with customer service personnel, without losing the information you’ve already entered.

According to the website, you can expect interest rates that range anywhere from 6.5% to 36% for traditional loans, 353.23% to 2,737.50% for payday loans, and 199.44% to 448.76% for short-term loans, all of which are based primarily on your credit rating.

Bottom Line: Is a Scam?

Based on our research, does not appear to be a scam. Their website makes it fairly clear that they do not provide loans—only access to a wide variety of lenders—and that you may be sold additional services from third party companies in the process. In addition, the company seems to address any customer complaints in a quick, satisfactory manner.

With this said, specializes in providing payday and cash advance loans to individuals with poor credit. These types of loans often carry extraordinarily high interest rates; so high, in fact, that most people end up repaying much more than their original loan amount. As a result, it’s best to stay away from these types of loans altogether, unless you have no other choice.