How ItWorks

Getting your personal loan is easy with Money Compass USA. Follow these 4 simple steps to find your best rate.

01

Fill Out a Simple Form

Tell us about yourself and your loan needs. It takes just 2-3 minutes to complete our secure online form.

  • Basic personal information
  • Desired loan amount
  • Purpose of the loan
  • Employment details
02

Compare Personalized Offers

We'll show you personalized loan offers from multiple lenders matched to your profile and credit.

  • See rates and terms
  • Compare APRs and fees
  • Review repayment options
  • No obligation to accept
03

Choose Your Best Option

Review your offers side-by-side and select the loan that best fits your needs and budget.

  • Compare all details
  • Read lender reviews
  • Ask questions if needed
  • Select your preferred offer
04

Get Your Funds

Complete your application with the chosen lender and receive your funds as soon as the next business day.

  • Final verification
  • Sign documents electronically
  • Funds deposited directly
  • Typically 1-3 business days

Frequently Asked Questions

Will checking my rate affect my credit score?

No! We use a soft credit inquiry to check your rate, which will not impact your credit score. Only when you choose a loan and submit a full application will a hard inquiry occur.

How long does the process take?

The initial form takes 2-3 minutes. You'll see your rate options immediately. If you choose to proceed with a loan, funding typically occurs within 1-3 business days after approval.

Am I obligated to accept a loan offer?

Absolutely not. Checking your rate and reviewing offers is completely free with no obligation. You only proceed if you find an offer that works for you.

What do I need to apply?

You'll need basic personal information, a valid government-issued ID, proof of income, and a bank account for deposit. Specific requirements may vary by lender.

Ready to Get Started?

See your personalized rate options in just 2 minutes.