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How it works

How Loan LendingScore360 works

A simple, five-step process. You stay in control at every step, and you are never obligated to accept an offer.

Check Your Options Explore Loan Options

The five steps

  1. Step 1: Explore your options

    Browse loan categories and learn how each one works before you share any details.

    Start with our loan options and FAQ. Understanding the differences between loan types helps you decide what to look for and which questions to ask.

  2. Step 2: Provide information

    Tell us what the loan is for, how much you are looking for, and how to reach you.

    Our request form is split into clear steps. We only ask for what is needed to look for options, and we explain how your information is used in our Privacy Policy.

  3. Step 3: Review available options

    If options that may match your request are available, review them side by side.

    Availability depends on your information and each provider's criteria. Sometimes no options are available, and that is useful to know too.

  4. Step 4: Continue with the appropriate provider

    If you choose to move forward, you continue directly with that provider.

    The provider runs its own application and review. It may ask for more information and may check your credit before making a decision.

  5. Step 5: Review final terms

    Read the provider's final terms carefully. Only accept an offer you understand and can afford.

    Check the APR, total repayment amount, fees, payment schedule, and what happens if a payment is late. You are never obligated to accept an offer.

What depends on the provider

Loan LendingScore360 is not a lender. Each provider makes its own decisions using its own criteria and applicable laws. That means the following are never guaranteed by us:

  • Approval — whether you are approved at all
  • Rate — the interest rate and APR you are offered
  • Terms — loan amount, repayment length, fees, and conditions
  • Funding — whether and when funds are sent

These depend on your eligibility, which can include your credit history, income, location, and the information you provide.

Before you accept an offer

  • Compare the APR, not just the monthly payment
  • Add up the total amount you will repay
  • Look for origination, late, and prepayment fees
  • Confirm the payment schedule fits your budget
  • Ask questions about anything that is unclear

Ready for step one?

Start by exploring loan options, or submit your request with our online form.

Check Your Options Explore Loan Options