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Loan request · Free · No obligation

Apply for a personal loan the smart way.

Send one short request to see if a lender in our partner network can help. Then compare the APR and total cost before you accept anything.

  • Free and no obligationThere is no charge to send a request, and you can decline any offer.
  • %
    Compare before you acceptEvery lender must show you the APR and finance charge before you sign.
  • Plain-English guidanceNot sure a loan is right? Our free guides compare every option by real cost.
11.90%avg. bank APR, 24-month loan1
391%typical payday loan APR, the cost to avoid8

Your request at a glance

Cost to submit
$0
Obligation to accept
None
Who makes the decision
The lender
Who you repay
The lender, not us

Why Americans needed emergency money in 2025

  • Major car repair or replacement30%
  • Major house or appliance repair22%
  • Unexpected major medical bill21%

Share of U.S. adults with each unexpected expense in the prior 12 months. Federal Reserve SHED 2025.10

Smiling woman with a coffee cup in a mountain meadow while bison graze nearby Not sure a loan is right?Compare all 10 ways to borrow, ranked by real costSee loan options
1Request2Review offers3Decide

Request personal loan offers

It takes a few minutes. You are never obligated to accept an offer.

Your request goes directly to our lending partner’s form.

By submitting, you agree to share your information with a third-party lending network and its lenders, who may contact you. Bison Cash USA is not a lender and may be compensated. Not all applicants qualify.

What happens next

Three steps, and you stay in control

  1. 1

    Send one short request

    Tell the lending network how much you need and a few details about you. It typically takes a few minutes.

  2. 2

    Review any offers you receive

    If a lender in the network can help, you may see an offer or be connected to the lender’s site to finish. Read the APR, fees and payment schedule.

  3. 3

    Accept, or walk away

    You decide. If you accept, the lender handles approval and funding directly, and repayment goes to the lender, not to us.

Before you start

What lenders usually ask for

Requirements vary by lender and state, but having these ready makes the process faster.

  • Be 18 or olderSome states set the age of majority higher.
  • Live in the U.S.Availability depends on your state’s lending laws.
  • Have a regular source of incomeSuch as a job, benefits or self-employment.
  • Have a checking accountMost lenders deposit funds and collect payments there.
  • Valid ID and contact detailsA working phone number and email address.
  • Social Security numberLenders usually need it to verify your identity and check credit.

Know the cost

Understand the cost before you borrow

Here is what a typical installment loan looks like once fees are included.

Representative exampleFor illustration only. Your terms may differ.
Amount borrowed$3,000
Term24 months
Interest rate10.90%
Origination fee4% ($120)
APR15.03%
Monthly payment$139.68
Total of payments$3,352.42
Finance charge$472.42

For comparison, U.S. commercial banks averaged 11.90% APR on 24-month personal loans in August 2026.1 Rates offered through lending networks can be higher, especially for fair or poor credit. Compare the APR, which includes most fees, not just the interest rate.23

Stay safe

How to tell a real offer from a scam

A real lender will

  • Show you the APR, finance charge and payment schedule in writing before you sign
  • Check your ability to repay instead of guaranteeing approval
  • Be licensed or registered in your state

Walk away if anyone

  • Asks for an upfront fee for “processing,” “insurance” or “paperwork”5
  • Wants payment by gift card, wire transfer or cryptocurrency
  • Pressures you to sign today or guarantees approval

Report suspicious calls or emails that use our name or anyone else’s at ReportFraud.ftc.gov.

Not sure a loan is right?

Cheaper options to consider first

A loan is not always the best answer. These options often cost less.

Payment plan or family helpOften $0 in interest Credit union PALMax 28% APR9 Secured loanEasier approval, lower rates

Questions

Before you apply

Does sending a request affect my credit score?

It depends on the lender. Many lenders start with a soft inquiry, which does not affect FICO Scores. A full application with a lender usually triggers a hard inquiry, which typically costs fewer than five points.4 Ask the lender which type it uses.

Is Bison Cash USA the lender?

No. We are an independent education website. The form on this page is provided by a third-party lending network. Lenders in that network make all credit decisions and set all rates and terms.

How much can I borrow?

Amounts depend on the lender, your state and your credit profile. Borrow only what you need and can repay comfortably.

What if I am in the military?

Active-duty servicemembers and covered dependents are protected by the Military Lending Act, which caps covered loans at a 36% Military APR.6

Are there limits on rates in my state?

Many states cap rates on small installment loans. As of September 2025, 45 states and DC capped the rate on a $500, six-month loan.7 Lenders must follow the rules where you live.

See all 27 answers in our FAQ

Advertiser disclosure

Bison Cash USA is an independent educational website and is not a lender, loan broker or agent for any lender. We do not make credit decisions, and we do not charge you any fee. The loan request form on this page is operated by a third-party lending network. When you submit it, your information is shared with that network and with lenders and partners in it, who may contact you by phone, email or text. We may receive compensation when you submit a request or when a loan is made. Compensation does not affect our guides or how we rank options.

Submitting a request does not guarantee an offer or approval. Loan amounts, rates, fees and terms vary by lender and by state, and some states may not be served. Lenders may verify your information and check your credit with one or more consumer reporting agencies. Late or missed payments can result in fees and may be reported to credit bureaus. Read every lender’s terms carefully before you accept.

Sources

Sources for this page

Official and primary sources only. Last reviewed October 17, 2026.

  1. 1
    Federal Reserve BoardOfficial statistics
    Consumer Credit G.19
    federalreserve.govReleased Oct 7, 2026 · August 2026 data
  2. 2
    Consumer Financial Protection BureauRegulator guidance
    What is the difference between a loan's interest rate and its APR?
    consumerfinance.govInterest rate vs. APR
  3. 3
    Consumer Financial Protection BureauRegulator guidance
    Do personal installment loans have fees?
    consumerfinance.govOrigination, late and other fees
  4. 4
    myFICOCredit scoring
    How to Rate Shop and Minimize the Impact to Your FICO Scores
    myfico.comHard vs. soft inquiries
  5. 5
    Federal Trade CommissionRegulator guidance
    What To Know About Advance-Fee Loans
    consumer.ftc.govScam warning signs
  6. 6
    Consumer Financial Protection BureauFederal law
    What is covered under the Military Lending Act?
    consumerfinance.gov36% MAPR cap
  7. 7
    National Consumer Law CenterState law research
    State APR Caps for $500, $2,000 and $10,000 Installment Loans
    nclc.orgDecember 18, 2025
  8. 8
    Consumer Reports AdvocacyCFPB findings
    Summary of CFPB payday loan research
    consumerreports.orgFees, APR and rollover data
  9. 9
    America's Credit UnionsNCUA rules
    Comparing PALs I and PALs II Loans
    americascreditunions.orgLoan limits, terms and 28% cap
  10. 10
    Federal Reserve BoardSurvey data
    Economic Well-Being of U.S. Households in 2025: Fact Sheet
    federalreserve.govMay 13, 2026