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One form. Lenders in our network who cover your state can pick it up.
Rate, funding, and yes-or-no sit with the lender — never with this site.
You complete this once instead of restarting on every lender's own form.
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The form usually covers these. Clearing them is not a guarantee. Each lender in our network reads the ask on its own.
Four faces. This page starts the ask. A lender in our network may take it from here.
The form on this page opens on the sum you want to ask for.
The rest of the questions sit in the same seat. Nothing is held for a second visit.
Lenders in our network who cover your state can read it. They may check credit if they want the work.
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This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where IconicOpal does not have an available lender, you will not be connected to a lender. Our Lending Policy has current state availability. Rates & Fees explains how rates and terms actually work once you are matched with a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender's rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. IconicOpal is not a lender and does not make loan or credit decisions. IconicOpal connects interested persons with a lender from its network of approved lenders. IconicOpal does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. IconicOpal may receive compensation from lenders in its network. See our Advertising Disclosure. IconicOpal's service is always free to you. Submitting a request is not a guarantee of being matched or approved.
By submitting your information via this website, you are authorizing IconicOpal and lenders in its network to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize IconicOpal to share your information and credit history with a network of approved lenders. See Credit Authorization.
Lender's Disclosure of Terms. The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender's internal policies, underwriting criteria and applicable law. IconicOpal has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.