Request your funds
256-bit SSL · AES-256 Encrypted · No Hidden Fees
Personal loans from $100 to $5,000, written for life in the city.
Tell UrbanFundz once and your request reaches a network of lenders. Review any offer in minutes — free, no obligation, all credit considered.
- One request, whole network
- You compare the offers
- Never a lender, never a fee
If today already reads like one of these…
- 01The car died on a Tuesday.
- 02Rent’s due before payday.
- 03The bank already said no.
- 04Out of money before the 1st.
- 05A bill you didn’t see coming.
- 06Tired of asking family again.
…you’re reading the right page. One request, $100 to $5,000, reviewed in minutes — some lenders fund as soon as the next business day, if approved. Start now →
How does UrbanFundz work?
One request. A network of lenders. Your decision.
UrbanFundz is a free online loan-referral service. You submit one short request, and we forward it to a network of third-party lenders and lending partners who may offer you a personal loan of $100 to $5,000.
UrbanFundz is not a lender and does not make credit decisions, set rates, or fund loans — the lender does.
Submit one request
Enter your amount and a few details. It takes about a minute and needs no SSN at this stage.
We match the network
Your request is shared with participating lenders. The initial match is a soft check that doesn’t affect your credit score.
Review any offer
A lender presents terms — amount, APR, and schedule. You compare and decide; nothing is binding until you sign.
How much can you borrow, and what does it cost?
Free to use. The lender sets the rest.
You can request $100 to $5,000. The lender who works with your request sets the final amount, APR, fees, and repayment term, and discloses them in writing before you accept. Using UrbanFundz is free — you only owe what a lender charges if you accept an offer.
| Request amount | Commonly used for | Typical repayment |
|---|---|---|
| $100–$500 | A short bridge before payday | Weeks to a few months |
| $500–$1,500 | An unexpected bill or repair | A few months |
| $1,500–$3,000 | Consolidating a small balance | Several months |
| $3,000–$5,000 | A larger planned expense | Months to a couple of years |
- Free to use. UrbanFundz never charges you to submit a request or review offers.
- Short-term APRs are high. They vary by lender, product, state, and credit, and commonly exceed 200%.
- Military Lending Act. APR is capped at 36% for active-duty service members and their dependents.
- Tribal lenders may operate under tribal law and can exceed state rate caps.
Who qualifies, and will it affect my credit?
A soft first look that leaves your score alone.
Most lenders in the network require that you are at least 18, a U.S. resident, with a regular income source and an active checking account. Submitting a request on UrbanFundz does not affect your credit score, because the initial match is a soft inquiry. A lender may run a hard credit check before making a final offer, and will tell you before they do.
- All credit types considered. The network includes lenders who review applicants with thin or poor credit.
- Soft first, hard later. Matching is a soft pull; only a lender extending an offer may run a hard inquiry.
- Not an application. A request here is not an application for credit with any specific lender.
- You stay in control. No offer is binding until you review the terms and sign with the lender.
A small-dollar loan can help in a pinch — but it’s usually the most expensive way to borrow. It’s worth a minute to compare the lower-cost options first.UrbanFundz · Before you borrow
What are the alternatives to a short-term loan?
Five places to look before you submit a request.
Is UrbanFundz available in my state?
Most of the country — with a handful of exceptions.
UrbanFundz serves residents of most U.S. states. Because state lending laws differ, the service is currently unavailable to residents of New York, New Jersey, Massachusetts, Connecticut, the District of Columbia, Vermont, Maryland, Georgia, North Carolina, Pennsylvania, West Virginia, Arkansas, and Arizona. Availability and terms in supported states are determined by the lender that works with your request.
Frequently asked questions
No. UrbanFundz is a marketing and referral service, not a lender. We forward your request to third-party lenders and lending partners who may present offers; they make all credit and funding decisions. See our Advertising Disclosure.
You can request a personal loan from $100 to $5,000. The lender that works with your request sets the final amount, APR, and repayment terms and discloses them before you accept. See Rates & Fees.
If a lender approves your request and you accept the offer, funds are often deposited as soon as the next business day. Exact timing depends on the lender and your bank.
No. The initial match is a soft inquiry that does not affect your credit score. A lender may run a hard credit check before making a final offer and will tell you first.
Possibly. The network includes lenders who consider applicants with poor or limited credit, but approval, amount, and rate are never guaranteed and depend on the lender.
UrbanFundz is free to use. You are never charged to submit a request or review offers; you only pay the interest and fees of a loan you choose to accept.
APRs and fees are set by the lender and vary by product, state, and credit. Short-term, small-dollar APRs commonly exceed 200%. The Military Lending Act caps APR at 36% for covered active-duty service members and dependents.
Yes. Your request is transmitted over an encrypted TLS connection. See our Privacy Policy for how your information is used and shared with lenders in the network.
No. There is no obligation. Nothing is binding until you review a lender’s terms and sign their agreement, and you can walk away at any point before that.
Use the unsubscribe link in any email, reply STOP to texts, or submit our Unsubscribe form. You can also opt out of data sharing through Do Not Sell or Share My Information.
Last reviewed June 2026 · UrbanFundz is a referral service, not a lender.
Your data, your call
Don’t want marketing, or want your information kept out of any sale or share? Manage it here anytime — we honor Global Privacy Control too.
The city never slows. Your options shouldn’t either.
A calm minute to see what’s possible for $100 to $5,000.
Request my fundsFree to use · no obligation · a referral service, not a lender