Requests from $100 to $5,000Any credit history can applyWe refer, lenders lend
Set your amount
$100 – $5,000 · some lenders fund the next business day, if approved
Encrypted form · Asking is free
- Encrypted from start to send
- No charge to ask
- Bruised credit can still apply
- One form, several lenders
Payday is close. The bill is closer.
TorqueFunds is a referral service, not a lender. Your $100 – $5,000 request goes to lenders we partner with, and any lender that responds lays out the full cost and every due date before you commit.
Where it starts
Usually it is one of these.
- IThe alternator quit on the highway.
- IIRent went up and the lease is due.
- IIIA tooth that will not wait.
- IVChild care fees changed this month.
- VA tow, then a storage fee.
- VITools for a new job site.
Ask for $100 – $5,000 in one request. If a lender approves you, funding can come as soon as the next business day.
Go to the formTighten to spec
Five figures every offer must state
A mechanic torques a bolt to the number in the manual, not as hard as possible. Borrowing works the same way: know the figures, take what the job needs.
| APR | The yearly price of the loan with fees folded in. For short loans it runs high and can top 200%. |
|---|---|
| Total finance charge | What the loan costs in dollars from start to finish. |
| Due dates and amounts | Each payment, listed with the date it is owed. |
| Late or bounced payments | The lender's charges if a payment misses, written into the contract. |
| Rollovers | Whether extending is allowed, and the added price if it is. |
Rates and fees belong to the lender and depend on your state; TorqueFunds sets neither. Size the loan to what you can pay back on the dates in the offer.
The TorqueFunds view
Enough force to get moving, not a turn more.
Borrow what the repair or the bill needs and leave the rest alone.
Three turns
From request to decision
You give the details once. Lenders make the call. You keep the final say.
- I
Fill in one page
Amount, contact details and a few questions about income. It takes a few minutes and the page is encrypted.
- II
Lenders review it
Lenders we partner with check the request against their own criteria. Not every lender will reply.
- III
Read, then choose
An offer lists its APR, fees and due dates up front. Sign it, or close the tab and owe nothing.
Before you ask
Common questions about TorqueFunds
What range can I request?
From $100 to $5,000. After reviewing, a lender may propose a different amount than the one you asked for.
Is my credit going to be checked?
It may be. Lenders can run a credit check while they look at your request, and each one tells you how it reviews applications before you agree to anything.
If I am approved, how soon is money sent?
It varies by lender and by bank. Some lenders send funds as soon as the next business day, and the offer will say when.
Who can send a request?
US residents aged 18 or older with a regular income, a checking account in their own name, and a working phone and email.
My credit is rough. Should I still try?
Lenders we partner with consider a wide range of credit. A weak score can mean fewer offers or costlier terms, and approval is never promised, but you are free to ask.
Does TorqueFunds lend the money?
No. We are a referral service. If you borrow, the loan and its terms come from the lender, not from us.
Have these ready
Four things the form will ask about
- Age 18+ and a US addressSome states are excluded; the form will tell you.
- Regular incomePaychecks, benefits or self-employment earnings.
- A checking account in your nameUsed for the deposit and for repayments.
- A phone and an email you checkHow a lender gets an offer or a question to you.
One page now, a lender's answer after.
Request anything from $100 to $5,000. It costs nothing to send, and you are bound to nothing until you sign with a lender.
Open the form