Tell Pairly what you need, and we share your request with our lender-network partner. If a lender can continue, you see its rates and terms on its site before you agree to anything. A few minutes, on your phone.
The film shows an earlier version; the current flow is described above.
Pairly is not a lender. Nothing is sent until you say so.
How it works
No forms that go on forever, and no surprises about who gets your details.
Answer a few plain questions, or just say it in your own words, like "I need $1,500 and I get paid every two weeks."
When you tap Send, Pairly shares your request with our lender-network partner. One lender in its network reviews it first, and others may follow.
If a lender can continue, you go to its site and see its rates and terms before you agree to anything. You can stop at any point.
Who sees your request
Pairly sends your request to its lender-network partner. One lender in that network reviews it first, and others in the network may follow. If a lender can continue, you finish on that lender's site.
Straight answers
Your details are protected with 256-bit encryption when you send them.
We call, text or email you only if you agree to it.
Rates, payments and dates, in one place, from the lender.
Stop at any point. Nothing goes to a lender until you tap Send.
Questions
No. Pairly is an automated assistant that connects you with lenders in its network. The lender you finish with makes the credit decision and sets the rates and terms.
Lenders in our network offer personal installment loans from $1,000 to $5,000 with terms up to 72 months. APRs through our network are about 5.99% to 35.99%, and lower or higher rates may be offered depending on the lender, product and applicant. Terms run from just over 60 days to 72 months. Pairly charges nothing and adds no interest or finance charges. Origination, late and other fees are set by the lender and shown in the loan agreement. Representative example: $1,500 over 18 months at about 17.99% APR, about $96 a month, about $1,728 total repayment.
Pairly contacts you only if you opted in. If a lender can continue, that lender may contact you about your loan, as its terms explain. You can reply STOP to any text and unsubscribe from any email.
Lenders may check your credit with Experian, Equifax, TransUnion or other credit bureaus. Each lender explains its own check in its terms.
Your details are protected with 256-bit encryption when you send them. Your Social Security number and bank details go in a secure form, not in the chat, and are shared only with our lender-network partner and the lenders in its network that review your request.
The chat tells you right away. We don't send your request again, and we contact you only if you opted in.
Yes. You can stop at any point, and nothing is sent to a lender until you tap Send.
A few minutes, on your phone, and terms before you agree to anything.