How it works
How LendWyse works
1. Tell us what you need
Answer a short form: loan amount, purpose, and a few basic financial details. Takes under a minute.
2. We match you with real offers
We run a soft credit pull — which does not affect your credit score — and surface real, pre-qualified offers from our network of vetted lending partners. Most users see at least one offer within 60 seconds.
3. Compare and pick
See APR, monthly payment, term, and any fees upfront. Pick the offer that fits. There is no obligation to accept anything.
4. Get funded
The lending partner finalizes underwriting (this is when the only hard credit inquiry happens). Funds typically arrive in your bank account as soon as the next business day.
Frequently asked questions
How does LendWyse work?
LendWyse works in four steps: 1) you fill out a short form, 2) we run a soft credit pull and match you with offers from our lending partners, 3) you compare and pick the offer you want, and 4) the lender finalizes underwriting and funds the loan — typically as soon as the next business day.
How long does the LendWyse process take?
The rate check itself takes under 60 seconds. From accepted offer to funded loan typically takes 1–3 business days, depending on the lender and any verification steps required.
Will applying through LendWyse hurt my credit?
No. The initial rate check uses a soft credit inquiry that has no impact on your credit score. A hard inquiry only happens after you accept an offer and the funding lender begins final underwriting.
When do I get the money?
Funding timing depends on the lending partner you choose. Many partners fund as soon as the next business day after final approval. Some loans, including larger amounts, can take a few business days longer.
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