Start your request
$100 to $5,000 · as soon as the next business day, if approved
256-bit SSL · Checking your options won't affect your credit score · Free to ask
A bill came early and the paycheck did not?
One short request goes to lenders that look at many credit profiles.
- One request, whole network
- You compare the offers
- A referral service, never a lender
Tall help for a short month.
Check your optionsHow does RedwoodWallet work?
RedwoodWallet 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. RedwoodWallet 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?
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 RedwoodWallet is free, you only owe what a lender charges if you accept an offer.
| Request amount | Commonly used for | Typical repayment |
|---|---|---|
| $100 to $100 | A short bridge before payday | Weeks to a few months |
| $100 to $100 | An unexpected bill or repair | A few months |
| $100 to $5,000 | Consolidating a small balance | Several months |
| $5,000 to $5,000 | A larger planned expense | Months to a couple of years |
- Free to useRedwoodWallet never charges you to submit a request or review offers.
- Short-term APRs are highThey vary by lender, product, state, and credit, and commonly exceed 200%.
- Military Lending ActAPR is capped at 36% for active-duty service members and their dependents.
- Tribal lendersMay operate under tribal law and can exceed state rate caps.
Who qualifies, and will it affect my credit?
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 RedwoodWallet 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 consideredThe network includes lenders who review applicants with thin or poor credit.
- Soft first, hard laterMatching is a soft pull; only a lender extending an offer may run a hard inquiry.
- Not an applicationA request here is not an application for credit with any specific lender.
- You stay in controlNo offer is binding until you review the terms and sign with the lender.
What are the alternatives to a short-term loan?
A small-dollar loan can help in a pinch, but it’s usually the most expensive way to borrow. Before you submit a request, it’s worth comparing these lower-cost options.
- 01Credit-union Payday Alternative Loan (PAL)
Federal credit unions offer small loans with APR capped at 28%, far below typical short-term rates.
- 02Earned-wage access or an employer advance
Many employers and apps let you draw wages you’ve already earned early, often free or for a small flat fee.
- 03A 0% intro-APR credit card
If you can qualify and repay within the promotional window, this can be interest-free.
- 04A payment plan with the biller
Utilities, medical providers, and landlords will often arrange a no- or low-cost installment plan.
- 05Local nonprofit or government help
Dial 211 or check your state portal for emergency assistance with rent, utilities, and food.
Is RedwoodWallet available in my state?
RedwoodWallet 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.
Questions people ask before they start
Does RedwoodWallet lend the money itself?
No. RedwoodWallet is not a lender and does not make credit decisions. Your request goes to participating lenders; whoever responds decides and sets the terms.
What loan amounts can I request?
$100 to $5,000 is the usual range. The final amount, if any, is up to the lender and your state's rules.
Will checking my options hurt my credit score?
Checking your options won't affect your credit score. A lender may run its own credit check as part of considering your request.
How fast could money arrive?
If a lender approves you and you accept, funds are often sent as soon as the next business day. Timing depends on the lender and your bank.
What information do I need to have ready?
Basic details about you, your income and your checking account. Applicants must be 18+ and US residents in a participating state.
What does it cost to use RedwoodWallet?
RedwoodWallet costs you nothing. If a lender makes you an offer, review its rates and fees carefully before you accept.
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Swift when you need it, calm throughout.
No theatrics, a quiet minute to see your options for $100 to $5,000.
Request my fundsFree to use · no obligation · a referral service, not a lender