Connecting consumers with lenders
Helping you reach financial freedom by connecting you with lenders.
One form connects you with lenders in our network who may be able to help with what you need. See the cost of borrowing broken down clearly, with no hidden fees from us. Approval, rate, loan amount, and funding are set solely by the lender.
- 01One Form, One Time
- 02256-bit SSL
- 03Loans up to $35,000
// live network · 50 states
Estimator
Estimate a monthly payment
Educational only. Nothing you move here is collected or sent anywhere.
91 day minimum up to a 72 month maximum.
Estimated monthly payment
$279
Number of payments
36
Estimated interest
$2,533
Estimated total repaid
$10,033
This is an estimate for illustration only. It is not an offer of credit, a quote, or a prediction of what any lender will offer. Actual rates, terms, and monthly payments are set solely by the lender and depend on your credit profile, income, state of residence, and the lender's own criteria.
APR range 5.99% to 35.99% for qualified customers.* Repayment periods from a 91 day minimum up to a 72 month maximum. Loan amounts from $500 to $35,000, though not all lenders can provide loans up to $35,000.
*Advertised rates and terms apply to qualified borrowers only. Not all applicants will qualify. Actual APR, loan amount, and repayment terms depend on creditworthiness, underwriting criteria, and the specific lender matched. APRs for some borrowers may exceed the stated range. AlwaysOpenLending is not a lender.
Who we are, stated plainly
AlwaysOpenLending is a lead generator and marketing service. We are not a lender, not a broker, and not affiliated with any bank. We connect consumers with lenders in our network. We do not guarantee approval, rate, loan amount, or funding. Those are set solely by the lender.
How this works
Four steps, including the one most sites skip.
The second step is the honest one, and it sits in the middle of the page rather than in the fine print.
- 01
Tell us what you are looking for
One short form on the next screens. This page collects nothing at all.
- 02
We check for lenders in our network
Not every consumer connects with a lender, and no lender is obligated to make an offer.
- 03
Lenders that are interested contact you directly
On their own criteria and their own terms.
- 04
You review any offer and decide
Read the full loan agreement, fees and prepayment terms included.
Where your information goes
Named categories, not vague language.
Our marketplace is built to shield you from unwanted marketing and pushy sales calls. We limit what we collect and share it with lenders only once you give permission. The Privacy Policy carries the full detail.
- Lenders
- Decide whether to contact you, and set every term.
- Marketing partners
- Promote personal loan offers and related products.
- Aggregators
- Route submissions into their own lender networks.
We are compensated by lenders and marketing partners when we transmit consumer information to them, and that compensation may influence which partners appear.
// permissioned share
Market context
The borrowing landscape, in figures.
Independent figures on the US personal loan market, drawn from the credit bureaus and the Federal Reserve. They describe the market, not AlwaysOpenLending results. Verified as of August 2026.
Outstanding unsecured personal loan balances in the US, a record · TransUnion Q1 2026
Personal loans on US credit reports, up 7% from 63.2M in 2024 · Experian
Personal loan originations, a record, up 21.7% YoY · TransUnion Q4 2025
Share of US consumers carrying a personal loan · Experian, early 2026
Simple · transparent · secure
Ready to see who can help?
The next screens collect your details. Your information is safe and secure, encrypted with 256-bit security, and shared only with lenders once you give permission.
Checking your options does not affect your credit score.
- 01You answer a few questions
- 02We check for lenders in our network
- 03Interested lenders contact you directly