1
Share a few basics
Enter your requested loan amount, ZIP code, and personal details. Checking options does not require a hard credit pull and takes most borrowers under five minutes.
How it works
One form. See what may be available.
Fill out one short form, get matched with participating lenders who review your request, and decide whether to proceed. No hard credit pull, no obligation.
No hard credit pull 256-bit encrypted 200+ lenders
One form · ~5 minutes · No obligation
The process
Three steps to check your options
2
Complete your request
Add your employment, identity, and banking details so participating lenders can evaluate your request. Your information is encrypted throughout.
3
Review your next steps
If an option is available through a participating lender, you may be redirected to their site to review the offer details. There is no obligation to continue.
What to expect
Built around transparency
No hard credit pull
Checking options through Harbor Lenders does not impact your credit score. A hard pull only occurs if you proceed with a specific lender.
No cost to check
Submitting a request through Harbor Lenders is completely free. There are no fees to see what options may be available.
Your information is protected
Your request is submitted over an encrypted connection. Harbor does not sell your personal information to third parties.
No obligation
If an option is available, you decide whether to continue. You are never locked into anything by checking your options.
FAQs
Common questions
Is Harbor Lenders a lender?
No. Harbor Lenders is a marketplace. We connect you with participating lenders who review your request and make their own decisions. You are never charged by Harbor to check your options.
Will checking my options affect my credit score?
No. Checking your options through Harbor Lenders does not require a hard credit pull, so your credit score will not be impacted.
How much can I request?
Requests typically range from $100 to $10,000, subject to lender criteria, your income, credit profile, and your state of residence.
What happens if no option is available?
If no participating lender matches your request, you will be shown alternative next steps. Availability varies based on your profile and location.
Start Your Loan Request Online
Start with basic info and we'll securely prepare your request for a lending partner.