$100 to $5,000 · all credit types considered
Start a short request
$100 to $5,000 · as soon as the next business day, if approved
Secure SSL · soft inquiry · free to request
- Free to request
- Checking won't affect your credit score
- All credit types considered
- Not a lender
Short-term loans online, $100 to $5,000, for when payday feels a long walk away
RidgePolicies is a loan referral service, not an insurer. One request goes to lenders in our network, and the choice stays yours.
Three steps along the way
- 1
Request
Fill in the short form.
- 2
Review
Lenders in our network look at it.
- 3
Decide
If approved and you accept, funds can arrive as soon as the next business day.
It might look like this
- The car needs a part before Friday.
- A vet bill arrived.
- The landlord wants rent early.
- A utility bill doubled.
- A last-minute trip for family.
A free request can show what lenders may offer. No obligation.
Before you sign
- We're not a lenderRidgePolicies passes your request to lenders in our network.
- Terms come firstLenders show the APR, fees and dates before you sign.
- Borrow carefullyShort-term loans can be expensive.
Common questions
Is RidgePolicies an insurance company?
No. Despite the name, RidgePolicies doesn't sell insurance of any kind. It's a free loan referral service: we pass your request to lenders in our network, and they make every credit decision.
What do I need to get started?
Usually you need to be 18 or older, have a regular income and a checking account in your name, and give a working email address and phone number. Some lenders ask for more.
How fast is the money?
As soon as the next business day, if a lender approves your request and you accept its offer. Weekends, holidays and your bank can add time.
Is approval guaranteed?
No. Each lender reviews your request and decides on its own. All credit types are considered, but no one can promise an approval.
Does RidgePolicies charge a fee?
No. Sending a request through RidgePolicies is free, and you're under no obligation to accept any offer you see.
Who decides the rate and terms?
The lender does. RidgePolicies isn't a lender and doesn't set rates. Before you accept, the lender shows you the APR, fees and payment schedule.