The process, no jargon

Three steps. Real offers. No pressure.

We built Nothing But Loans because borrowing shouldn't feel like a maze. Here's exactly what happens from the second you start your quote to the day your loan funds.

Start my 2-minute quote Why borrowers trust us

Tell us what you need

Pick your loan type and share a few details — amount, purpose, and rough timeline. The whole form takes under two minutes.

Zero-obligation soft credit pull, invisible to other lenders
Save & resume — pick up right where you left off
AI helper prefills fields based on your goal (buy, refi, consolidate, business)

≈ 2 minutes

Compare matched offers

We show APR, monthly payment, term, and origination fees from state-licensed lenders — side by side, sorted the way you care about.

Only lenders licensed in your state see your request
Compare up to 5 offers on APR, payment, fees, and lender rating
See each lender's NMLS or state license number before you share documents

Real offers in minutes

Apply with confidence

Pick the offer that fits and finish your application directly with the lender. Nothing But Loans never charges you to compare.

No middleman — you complete the app with the lender you picked
Human support available if you get stuck
Free follow-up rate check any time your credit or income changes

Funding in 1–7 days for most products

Guarantees

What you can count on — every time

We're paid the same whether you pick lender A or lender B. Our incentive is your success, not any one deal.

Bank-grade security

TLS 1.3 in transit, AES-256 at rest, SOC 2 hosted. We never sell your information to third parties.

No waiting for answers

See pre-qualified rates in minutes, not days. Soft pull has zero impact on your score.

Real, unbiased support

Our team answers questions without pushing you toward any single lender — we get paid the same either way.

No spam, ever

Only lenders you actually engage with can contact you. One click unsubscribes you from all outreach.

Licensed lenders only

Every partner holds an active license in your state. Their license number appears with every offer.

AI-assisted matching

Our routing engine scores your profile against 60+ signals to send only the lenders most likely to approve you.

Timeline

From quote to funded, hour by hour

Minute 0
You submit your questionnaire
Soft credit pull runs. No hard inquiry, no dings.
Minutes 1–5
Our matching engine scores your profile
60+ signals — DTI, credit tier, state, loan purpose, timing — decide which licensed lenders see you.
Minutes 5–30
Real offers land in your dashboard
APR, payment, fees, and lender license numbers side by side. Filter and compare freely.
Same day
You pick the lender that fits
Complete the full app with them directly. We step out of the way.
Days 1–7
Funds arrive
Personal & consolidation: often same-day to 3 days. Auto: 1–5. Mortgage: 20–45. Business: 1–10.

Ready when you are

Start your soft-pull rate check now

Two minutes. No credit-score impact. Real offers from lenders licensed in your state — with APR, payment, and fees all in the open.

Check my rate See loan types

2-minute questionnaire, save & resume any time
Soft credit pull — zero impact on your score
Only state-licensed lenders — no mystery list