Fill it in
Amount, contact details, income and bank basics. Most people are done in a few minutes.
Requests from $100 – $5,000Cost on paper firstTakes a few minutes
Start your request
$100 – $5,000 · if approved, some lenders deposit as soon as the next business day
Encrypted form · Free to send · You can still say no to any offer
Kick the tires before you drive off.
CoupeRate is not a lender. You fill in one short request, lenders in our network look it over, and any offer arrives with its rate, fees and due dates written out. Nothing is signed until you sign it.
No fee to usWorks on a phoneOffers are optional
The rate sheet
Five lines to read before the signature box
Every lender in our network has to show the cost up front. Here is where to look, and what each line is telling you.
| APR | The yearly cost of the loan as a percentage. On short-term loans it can run past 200%, so compare it, don't skim it. |
|---|---|
| Finance charge | The interest and fees in plain dollars. This is the number that tells you what borrowing really costs. |
| Total of payments | What leaves your account by the end, principal included. |
| Due dates | When each payment comes out. Line them up with your paydays. |
| Late and returned fees | What happens if a payment bounces. Ask yourself if you could cover it. |
Three gears
From request to decision
Lenders look
Lenders in our network review what you sent. Each one decides on its own whether to offer.
You read, you choose
An offer opens on the lender's own page. Take it, or close the tab and keep your options open.
Does CoupeRate lend the money itself?
No. CoupeRate is not a lender. We take your request and pass it to lenders in our network. If one of them makes an offer, the loan, the rate and the contract are all theirs.
What will a lender put in front of me before I sign?
The APR, the finance charge in dollars, the total you would repay, each due date, and the fees for a late or returned payment. Read those lines first. If a number looks wrong, close the page and walk away.
Does sending the request touch my credit score?
Checking your options won't affect your credit score. A lender you choose to go further with may run its own credit check, and it explains that step in its own terms.
How much can I ask for?
Any amount from $100 to $5,000. The lender may come back with a smaller figure after it looks at your details.
When could the money reach my bank?
Some lenders deposit as soon as the next business day, if approved. Weekends and bank holidays push that back. The offer itself states the date.
Look under the hood first.
One request, anywhere in the $100 – $5,000 range. Read the numbers, then decide.
Start my request