Borrow $1,000–$50,000 with fixed rates, no hidden fees, and funds as fast as the same day.
Check My Rate — Free & Instant →Soft pull only · No score impact · Takes 3 minutes
$1,000 to $50,000 — borrow exactly what you need.
12 to 84 months repayment period to fit your budget.
Rates start at 6.99% APR based on your full credit profile.
Apply before 2 PM ET and funds may arrive the same afternoon.
Basic requirements to apply with KatapultApply.
We accept applications from borrowers with credit scores of 580 and above. We also consider income, employment, and DTI ratio.
About 3 minutes. You'll receive a decision within 60 seconds in most cases. Funds typically deposited within 24 hours.
No. Rate check uses a soft credit inquiry with zero impact on your score. Hard inquiry only occurs when you accept an offer.
Yes — zero prepayment penalties. Pay early and save money on interest.