The right loan offer is out there.
We help you find it.
Answer a few questions and we'll match you with lenders from our network. You'll see offers side by side, usually in about two minutes.
What's the loan for?
Free 2-minute check · No impact on your credit score
How it works
Three steps between you and your loan options.
Tell us what you need
Loan amount, purpose, and a few basics. It takes about two minutes and there's no paperwork.
We match you with lenders
Our network of lending partners reviews your request and competes to make you an offer.
Compare and choose
Review your matches and go directly to the lender you prefer. You're never obligated to accept anything.
Want the unabridged version? Read how loan matching actually works, or browse all our borrowing guides.
Why people use Summit Capital Direct
Your credit score stays put
Getting matched uses only the information you provide. There's no hard credit inquiry from us, ever.
Lenders compete for you
Instead of applying one lender at a time, your request goes to our whole network at once.
Your information is protected
Everything you share is encrypted with 256-bit TLS and handled under our privacy policy. Your details go to the lenders matching your request and nowhere else.
Rates and terms
Lenders in our network offer personal loans with repayment periods ranging from 61 days to 72 months. The maximum Annual Percentage Rate (APR) offered by lenders in our network is 35.99%. Your actual rate and terms are set by the lender you choose and depend on your credit profile, income, and the loan you request.
Representative example: a $10,000 loan with a 24-month term at 24% APR would have 24 monthly payments of about $528.70, for a total repayment of about $12,689, which includes $2,689 in interest and fees. This example is for illustration only and is not an offer. Summit Capital Direct is not a lender; every rate, fee, and term is disclosed to you by the lender before you accept any loan.