$100–$5000 · One request. A clearly defined process.

One request, handled plainly, and sent to lenders in our network.

What you need

✓ Submitting a request does not commit you to a loan.

By submitting you agree to be contacted by lenders in our network and to our Privacy Policy, Terms and E-Consent. Opalsora is not a lender.

We don't lend, approve, or set terms. A request you submit here is routed to lenders in our network, and what happens after that is between you and them.

Process

How this works

Four steps, stated plainly, in the order they happen.

Submit the request

Amount, purpose, and contact details — nothing beyond what is asked for on the form.

It is routed to lenders in our network

Each lender reviews independently and decides, on its own, whether to respond.

A response, if any, comes from the lender

Review any terms in full before making a decision.

You decide what happens next

Accept, decline, or ask a question — the decision is yours at every point.

Scope

What to expect

A precise statement of what this service does and does not do.

What we do

Keep the request to a single form, once
Route one request to lenders in our network
Let you decline any offer without penalty
Point you to full terms before you accept anything

What we don't do

Guarantee a match, an approval, or a specific offer
Charge you a fee to submit a request
Promise a response time or processing speed
Lend money or set any rate or term

Before you start

What lenders in our network typically require

An active bank account

A valid phone number and email address

A U.S. resident, where offered

18 or older

This is not a promise of approval. Any decision is made by the lender, using its own criteria.

Reference

Frequently asked questions

What amount can I request?

Between $100 and $5000. Whether a lender offers an amount in that range is decided independently by the lender.

Is this available in my state?

Not in every state. Current availability is listed on our Lending Policy page.

Is Opalsora a lender?

No. Opalsora is a referral service. We route your request to lenders in our network; approval, rate, and terms are set entirely by whichever lender responds.

Is there a cost to submit a request?

No. Any fees tied to an accepted offer are the lender's and will be disclosed by the lender before you agree to anything.

I've been declined by other lenders. Is this worth submitting?

Possibly. Lenders in our network apply different criteria, and some do consider applicants with lower credit scores. There's no guarantee of a response, and no cost to submitting a request.

Important disclosures

Opalsora is a referral service, not a lender. We do not approve requests, set terms, or fund loans; we route requests to lenders in our network who may respond. Submitting a request is not a guarantee of being matched or approved.

Opalsora may be compensated for connecting a request to lenders in our network. This does not affect approval odds and is never a cost to you. See our Advertising Disclosure.

A lender you're connected with may check your credit or verify submitted information (identity, income, banking) before responding. See Credit Authorization.

A short-term loan is intended to address a temporary need, not recurring expenses. Request only what can be repaid comfortably, and review every term before accepting.

This service isn't available in every state. Our Lending Policy has current state availability, and Rates & Fees explains how rates and terms actually work once you're matched with a lender.