$100 to $5,000 · all credit types considered
Check your options today
$100 to $5,000 · as soon as the next business day, if approved
Secure SSL · soft inquiry · free
- Free to request
- Won't affect your credit score to check
- All credit types
- Not a lender
Payday loans online, $100 to $5,000, for a lean week before payday
NectarGate sends one request to lenders in our network. You see the terms first and choose.
A lean week looks like
- Payday is Friday, the bill is Tuesday.
- A car repair before a long drive.
- A doctor's visit you can't skip.
- Higher utilities this month.
- Back-to-school costs.
If that's you, a free request shows what lenders in our network may offer.
How it works
Send one request
A few minutes on the form above.
Lenders review it
Lenders in our network decide whether to make an offer.
Accept only if it fits
Read every term. If approved and you accept, funds can arrive as soon as the next business day.
What every offer shows
- APRThe yearly cost of borrowing, fees included.
- Total to repayEverything you'll pay back, in one number.
- Due datesWhen each payment is due.
Questions people ask
Is NectarGate a lender?
No. NectarGate is a free referral service. We pass your request to lenders in our network, and they make every credit decision and set their own terms. You never have to accept an offer.
Will checking my options affect my credit score?
No. Checking your options uses a soft inquiry, which doesn't affect your credit score. Lenders may verify your details and check your credit, including with alternative credit bureaus, as part of reviewing your request.
How much can I request?
Anything from $100 to $5,000. The amount a lender offers depends on its own review and your state's rules, so it can be lower than what you asked for.
How soon could the money arrive?
If a lender approves you and you accept, funds can arrive as soon as the next business day. Timing depends on the lender and your bank.
Can I send a request with bad credit?
Yes. All credit types are considered and many lenders look at income as well as your score. Approval isn't guaranteed, and your credit can affect the terms you're offered.
What will it cost?
That depends on the lender, the amount and your state. Short-term loans can be expensive. The lender shows you the APR, fees and repayment dates before you sign, and you can say no.