Know your payment before you apply.
Fixed-rate personal loans from $1,000 to $15,000, repaid in equal monthly installments over 12 to 60 months. No prepayment penalty, ever.
- Pre-qualify in about 5 minutes with a soft inquiry
- Every fee shown up front, in dollars, before you sign
- If approved, funds typically arrive in 1–2 business days
Estimate a payment
Illustrative onlyEstimates use the APR range shown and assume on-time payments. They are not an offer of credit. Your actual APR depends on credit history, income, loan amount, term and state. See the representative example.
Three steps, no surprises.
You'll see a real rate, a real payment and every fee before anything touches your credit report.
Pre-qualify
Tell us how much you need and a little about your income. We run a soft inquiry, which doesn't affect your credit score.
About 5 minutesReview your offer
See your APR, monthly payment, origination fee and total cost side by side. Adjust the term until the payment fits.
No obligationAccept and get funded
Verify your identity and income, e-sign, and if approved receive funds by direct deposit, typically within 1–2 business days.
Hard inquiry at this step
For the expenses that don't fit in one paycheck.
A personal loan works best for a defined, one-time cost. If you're unsure whether borrowing makes sense, our team will tell you honestly.
Debt consolidation
Combine higher-rate card balances into one fixed payment.
Car repairs
Get back on the road without draining your savings.
Medical bills
Spread out a large bill into payments you can plan for.
Home fixes
A new water heater, a roof patch, a furnace that quit.
Moving costs
Deposits, movers and the first month's overlap.
Life events
Weddings, adoptions and other planned big moments.
What it actually costs.
APRs range from 9.95% to 35.99%. The rate you're offered depends on your credit, income, and the amount and term you choose. Here's one real-world example, worked out in full.
Representative example Read this
| Amount borrowed | $5,000.00 |
| Term | 36 monthly payments |
| APR (fixed, includes 0% origination fee) | 19.99% |
| Monthly payment | $185.79 |
| Total finance charge | $1,688.53 |
| Total amount repaid | $6,688.53 |
This example is illustrative. Some borrowers will receive a higher or lower APR. Where an origination fee applies (0%–6% of the loan amount), it is deducted from your funds and included in the APR shown on your offer.
See your rate in three short steps.
This is pre-qualification, not an application. You'll see options before you decide anything.
- Soft credit inquiry only at this stage
- No fees to check your rate
- A real person reviews unusual income situations
Thanks, there.
This is a demo, so nothing was sent and no credit was checked. On a live site, your pre-qualified offers would appear here.
Borrowers on the experience.
I had three card payments on three different dates. Now it's one number on the 5th of every month, and I can see exactly when it ends.
They showed the fee in dollars before I accepted. No fine print surprises.
Verification took an extra day because I'm self-employed, but the support rep walked me through the documents.
Sample reviews for demonstration. Individual experiences and terms vary.
Where Bridgeway lends.
We're licensed or otherwise authorized to lend in 24 states. Tap your state to see what applies there.
Borrowing responsibly.
Straight answers, including the ones that might talk you out of a loan.
Talk to us before you miss one. Hardship options, like a due-date change, are available to eligible borrowers.
(555) 014-8822 · Mon–Sat, 8am–8pm ETNo. Pre-qualification uses a soft inquiry, which is visible only to you. If you accept an offer and continue, we make a hard inquiry, which may affect your score.
Yes. We review credit history along with income and existing debts to make sure a payment is affordable for you. We don't offer "no credit check" loans.
We look at your verified income and your debt-to-income ratio. If a payment would leave you stretched, we'll offer a smaller amount or a longer term rather than approve something you can't comfortably repay.
A longer term lowers your monthly payment but usually increases the total interest you pay. Use the calculator above to compare the two numbers before you choose.
Go ahead. There's no prepayment penalty, and you only pay interest for the days the balance is outstanding.
Usually not. Installment loans suit one-time costs. If you're borrowing to cover recurring bills, a nonprofit credit counselor can help you build a plan first. We're happy to point you to one.
Check your rate. Decide later.
Five minutes, a soft inquiry, and a clear offer you can walk away from.