Find out how much you can borrow.
Based on your income — not your credit score.
It only takes 60 seconds to find out.
How much would you like to borrow?
Borrow up to $100,000 with funding as fast as the next day.
Quick select
People like you are getting funded every day.
$24,500 funded
“I needed a loan to pay off my credit cards and didn't think I'd qualify. Had the money in my account the very next day.”
Andre W., Charlotte, NC · Mar 2026$38,700 funded
“I've seen too many of these things turn out to be scams. This one didn't ask for my Social Security number or any bank information upfront. I was surprised how straightforward and easy it was.”
Diane K., Phoenix, AZ · Feb 2026$32,100 funded
“I filled it out on my lunch break and got approved for over $32,000. The whole thing took maybe five minutes.”
Tamara J., Houston, TX · Mar 2026Real testimonials, fictitious photos.
Here's how you get funded.
Four steps. Takes about 60 seconds.
Tell us what you need
Pick your loan amount and purpose. A rough estimate is fine.
Tell us a little about yourself
Basic details like your name and employment status. Nothing sensitive.
We match based on your income
Your income is what matters most, not your credit score.
See your offers
Review personalized loan offers in about 60 seconds. Free to check, no commitment.
Most lenders get it backwards.
Banks look backward at your credit history. We look at what’s hitting your account right now.
If you earn at least $3,900 per month and have a credit score of 580 or higher, lenders want to work with you, most people just don’t know where to look.
W-2, 1099, Social Security, pension — income is income.
You already have what lenders are looking for. You just haven't been matched yet.
“After 5 years as CEO of a debt relief company, I've seen firsthand how the system fails people who earn good money but have imperfect credit. IncomeBasedLoans.org does what more companies should... they match you based on what you earn, not just your score. If I were looking for a personal loan today, this is exactly the kind of service I'd use.”
Jake Hill
Consumer Finance Expert | Former Debt Relief CEO
This endorsement was independently provided by Jake Hill at the request of IncomeBasedLoans.org. He is not affiliated with or compensated by this website.
Zero risk. Here's why.
No SSN Required
Not the full number, not even the last four digits. Period.
No Credit Score Impact
Soft pull only, won’t affect your credit score. Not now, not ever.
Free to Check, No Obligation
Zero cost and zero commitment. Just close the page.
Your Data Is Protected
256-bit SSL encryption. The same technology banks use.
Find out how much you can borrow.
All in about 60 seconds.
Your offers are based on today's rates.