Lending Docks is not a lender and does not make loan or credit decisions. Ad Disclosure

A steady place to start.

Choose an amount and answer a few short questions. We'll bring your request to lenders in our network who may be able to help.

How much do you need? $1,000

$100$35,000

Get underway

Sent over a 256‑bit SSL encrypted connection.

Lending Docks is not a lender. Your request may be shared with lenders and partners who may pay us. Terms · Privacy · Ad Disclosure

How it works

Three berths, one trip.

Berth one

Set your amount

Slide to any amount from $100 to $35,000. You can change it on the next screen.
Berth two

Answer a few questions

About you, your income and your bank, asked one at a time.
Berth three

See where you stand

If a lender in our network may be able to help, we send you to their offer to review. Nothing is final until you accept.

Why Lending Docks

Solid ground for a big decision.

Free, no strings

Sending a request costs you nothing.
No offer is binding until you accept it.

Looked after

Your details are encrypted with 256‑bit SSL on the way to us.
Our Privacy Policy explains how your information is shared.

One request, wide reach

Your request can reach many lenders in our network.
One form instead of separate applications.

Cost examples

The numbers, laid out.

Examples of how rate, fee and term shape a loan. The lender sets your actual terms.

$1,000 $2,000 $5,000 $10,000

Interest rate: 24%
Origination fee: 5% ($50)
Amount you receive: $950
Term: 12 months
Monthly payment: $94.56
Total of payments: $1,134.72
APR: 34.14%

Interest rate: 19%
Origination fee: 5% ($100)
Amount you receive: $1,900
Term: 24 months
Monthly payment: $100.82
Total of payments: $2,419.68
APR: 24.38%

Interest rate: 13%
Origination fee: 5% ($250)
Amount you receive: $4,750
Term: 48 months
Monthly payment: $134.14
Total of payments: $6,438.72
APR: 15.80%

Interest rate: 8%
Origination fee: 5% ($500)
Amount you receive: $9,500
Term: 60 months
Monthly payment: $202.76
Total of payments: $12,165.60
APR: 10.20%

Loan amount	$1,000	$2,000	$5,000	$10,000
Interest rate	24%	19%	13%	8%
Origination fee	5% ($50)	5% ($100)	5% ($250)	5% ($500)
Amount you receive	$950	$1,900	$4,750	$9,500
Term	12 months	24 months	48 months	60 months
Monthly payment	$94.56	$100.82	$134.14	$202.76
Total of payments	$1,134.72	$2,419.68	$6,438.72	$12,165.60
APR	34.14%	24.38%	15.80%	10.20%

*These are example rates for illustration purposes only. Actual rates and terms will vary based on your qualifications and lender.

The APR includes the origination fee, which is deducted from the loan amount, so it is higher than the interest rate.

FAQ

Good to know.

The short version of how Lending Docks works.

What's a personal loan, exactly?

A sum you borrow from a lender and pay back in installments. Requests can be for anything from $100 to $35,000, with repayment periods as long as 72 months. The lender decides what fits your situation.

Am I eligible to send a request?

You'll generally need to:

be at least 18
be a U.S. citizen or permanent resident
have a steady income, from a job or another source
hold a bank account (direct deposit is a plus)

Do you charge anything?

Not a cent: our service is free. Lenders charge interest and possibly fees, and they must lay out the full terms before you agree to anything.

How do APR and loan terms work?

APR, the annual percentage rate, shows the yearly cost of credit. It may range from 5.99% to 35.99%, with terms from 91 days up to 72 months. The exact figures depend on your circumstances.

Who do I repay, and when?

You repay the lender, on the schedule in your loan agreement. For questions about payments, dates or methods, contact the lender directly.

How is my information handled?

Your details are encrypted with 256‑bit SSL on their way to us. When you submit, they may be shared with lenders, networks and service providers, as explained in our Privacy Policy and Marketing Disclosure.

Ready to cast off?

Choose an amount, answer a few questions, and we'll take care of the search.