What Borrowers Are Saying

Got funded before my first week at the new job

"Check engine light came on four days before I started a new job. I needed that car running. Filled out the form Thursday night, had an offer Friday morning, money in my account by Monday. It was close."

Credit union said no, got matched in under an hour

"Two months behind on rent and my landlord was serious about eviction. Tried my credit union first and got denied. Harbor matched me with a lender in under an hour. Not a great rate, but honestly I just needed it fast."

578 credit score and I still got matched

"My score was 578. I honestly did not think I'd get anything. Submitted the form, got matched that same evening, paid off the ER bill. Did not expect it to be that easy."

Two minutes, no hard pull, electric bill paid

"I was embarrassed to even apply. $900 felt like a small ask but I was stressed about it. The form took maybe two minutes, my credit wasn't touched, and I had an offer that afternoon. Paid the bill. Crisis over."

One payment instead of four, done 14 months sooner

"Four minimums every month: Capital One, Discover, Synchrony, a medical bill. Now it's one payment at $187 a month, lower rate than any of the cards. I'll be done 14 months earlier than I would have been."

Furnace died January 12th. Funded 48 hours later.

"Minnesota winter and my furnace died. Used Harbor that evening, got matched the next morning, HVAC was scheduled by Wednesday. I don't know what I would have done otherwise."

They were upfront about being a marketplace, still got a real offer

"I've been turned down before and it stays with you. I liked that Harbor was clear about what they are. Got an offer with a rate I could actually budget around. No surprises."

Put it off for three weeks, took two minutes

"Kept thinking it would be a whole thing. My sister basically pushed me to just do it. Two minutes and no phone call. Got the offer and wished I hadn't waited so long. Just do the form."

Out from under two payday loans, finally making progress

"Had two payday loans I couldn't get out from under. The rate I got was still high, I'm not going to pretend otherwise. But it's nowhere near 300% payday APR. First time in two years I can see the finish line."