See loan options — $100 to $5,000
Takes about 2 minutes · Free · No obligation · Won't affect your credit score to check
256-bit SSL No obligation Not a lender
Fix it now, sort the money here
A request for $100 to $5,000 goes to a network of lenders in about two minutes. Free, and no obligation either way.
256-bit SSL encryption Free to use Soft check to start Not a lender
The quote came in higher than expected
— You've done the maths twice and it's still short.
— This is a week, not a habit.
— You want the terms in writing before you decide.
— Two minutes now saves an afternoon later.
How it works
From request to answer, quickly
01
Request the amount
Pick $100 to $5,000 and add a few basic details — about two minutes.
02
We check the network
Your request is shared with lenders and partners to see who may fit. No credit-score impact to check.
03
Continue with a lender
If matched, review any offer directly with the lender. You're never obligated to accept.
Good to know
Your questions, answered
Is EffectiveHomeSolutions a lender?
No. EffectiveHomeSolutions is a free referral service that connects your request with third-party lenders and lending partners. We don't make loans, set rates, or make approval decisions.
How much can I request?
Anywhere from $100 to $5,000. The amount, rate, and terms depend on the lender you're matched with.
Will checking affect my credit score?
No — seeing your options starts with a soft inquiry, which doesn't affect your score. A lender you continue with may run a full check later.
How soon could I get funds?
The request takes about two minutes. If matched, some lenders fund as soon as the next business day, though approval and timing depend on the lender.
Is there any cost?
No. EffectiveHomeSolutions is free to use. Lenders may pay us a referral fee, which never changes what you pay them.
What do I usually need?
To be 18 or older, a U.S. resident with a regular income, an active checking account, and a valid email and phone number.
Sort the funding
Request $100 to $5,000 and see where you may qualify — free and with no obligation.
See my options