Check your options

Request funds

$100 - $5,000 · as soon as the next business day, if approved

256-bit SSL · Checking your options won't affect your credit score · Free to ask

Short-term loan request · not a lender

Short a few dollars before payday?

A short, free request to lenders in our network.

  • $100 - $5,000Loan range
  • Quick fundingTiming set by lender
  • Safe & SecureTLS-encrypted submission

How it works

Tell us what you need

Complete the short request form. All data is transmitted over TLS encryption.

Lenders consider

Lenders in our network review your request independently and make their own underwriting decisions.

Accept or decline

Approved offers come from the lender. If you accept, the lender funds the loan. Funding timing varies by lender; some lenders may fund as fast as the next business day.

Before submitting

  • walletcopper.com is not a lenderWe forward your request to participating lenders. They decide.
  • Approval is not guaranteedLenders make their own underwriting decisions.
  • APR disclosureLenders disclose your specific APR before you accept. Short-term APRs are typically high. Rates & Fees.
  • Sovereign lendersTribal-sovereign lenders may charge higher rates than lenders.
  • Truth in Lending appliesThe lender will disclose APR, fees, and terms before you accept.
  • State restrictions applyService not available in 13 states. See Lending Policy. Lending Policy.

Questions people ask before they start

Is WalletCopper a lender?

No. WalletCopper is not a lender. We pass your request to lenders and lending partners in our network, and any lender that responds makes its own decision and sets its own terms.

What loan amounts can I request?

$100 to $5,000 is the usual range. The final amount, if any, is up to the lender and your state's rules.

Will checking my options hurt my credit score?

Checking your options won't affect your credit score. A lender may run its own credit check as part of considering your request.

How fast could money arrive?

If a lender approves you and you accept, funds are often sent as soon as the next business day. Timing depends on the lender and your bank.

What information do I need to have ready?

Basic details about you, your income and your checking account. Applicants must be 18+ and US residents in a participating state.

Is there a fee to use WalletCopper?

Nothing. We are paid by lenders and partners. Loan rates and fees come from the lender and are disclosed before you sign.

Small amounts, warm help.

Check your options