A small push to get through the week.
Check your options$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
Tell lenders what you need once. They answer if they can help.
TorqueCover is not a lender. We forward your inquiry to a network of participating lenders, aggregators and third-party marketers. Loan amounts $100 to $5,000.
A small push to get through the week.
Check your optionsThe clearest description of what happens when you submit the form on the right.
Your inquiry is offered to participating lenders, aggregators and third-party marketers. Any may decline. Any may extend an offer. Some pay us a referral fee when they accept; some pay us only if you complete a loan.
TorqueCover is a for-profit advertising network. Compensation we receive from lenders may influence which offers are presented to you and the order in which they appear. Our service is always free for you.
If approved by a lender, the lender provides the APR, fees, repayment schedule, late-fee policy and consequences of non-payment in writing, required by federal Truth-in-Lending rules, before you accept.
| Field | Value |
|---|---|
| Service type | Loan-connection marketplace (advertising network); not a lender |
| Loan amount range | $100 to $5,000 (varies by lender and state) |
| APR, state-licensed lenders | 5.99% to 35.99% typical |
| APR, tribal lenders | May exceed state-licensed APRs (tribal lenders may be exempt from state usury caps) |
| Service fee to consumer | $100, TorqueCover is compensated by lenders |
| Form time | Approximately three minutes |
| Eligibility | U.S. resident, 18 years of age or older, valid email address, phone number, checking account |
| State availability | Not available in all states; states served may change |
| Credit inquiry | Performed by the lender, not TorqueCover. Soft inquiry to evaluate; hard inquiry only if you accept an offer. |
| Funding timing | Set by the lender and your bank; may take one or more business days |
| Data security | Industry-standard Transport Layer Security (TLS) |
“The form was the whole pitch. The lender that approved me handed me the rate and the repayment schedule in writing before I signed. I read it. I signed. I paid it back.”
S. R., Chicago · reported to the operator
No fee from us. No obligation. The form is at the top of this page.
Return to the form →A lender in our network does, not us. TorqueCover is not a lender, broker or agent of any lender; we only connect your request.
Requests generally run from $100 to $5,000. Not every lender offers the top of the range, and the amount you are offered depends on the lender, your state and your situation.
Checking your options does not affect your credit score. A lender may run its own credit check as part of considering your request.
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.
Have your income details, checking account and contact information ready. You need to be at least 18 and live in a state where the service is available.
TorqueCover costs you nothing. If a lender makes you an offer, review its rates and fees carefully before you accept.