eLendingPilotTo the form

Trying to get a loan online before payday
Line up a request for $100 to $5,000

One short form goes to lenders in our network. eLendingPilot is not a lender, and sending the request is free.

eLendingPilot request form

Runway clear

Free

Pick an amount and answer a few questions. Lenders in our network take it from there.

Request range
$100 to $5,000
Soonest funding, if approved
Next business day
To send a request
Free

Sent over an encrypted connection. Checking your options won't affect your credit score.

Before you send

Run the checklist before you send

Pilots do not trust memory. They read a short list out loud, every time. Here is ours for a loan request: three items we can tick with you, and one that only you can.

eLendingPilot is not a lender. We pass your request to lenders in our network, and each lender makes its own decision.

Card 01 of 01
Pre flight checklistLoan request

  1. Amount on the form

    Set

    Choose a figure from $100 to $5,000. Ask for what the bill needs, not the most the form allows.

  2. Your details

    Entered

    A few questions about you, your income and your bank account. The form is sent over an encrypted connection.

  3. Request away

    Sent

    It goes to lenders in our network. Sending it costs nothing, and timing is up to each lender.

  4. Any offer

    Your call

    If a lender makes an offer, read the amount, the fees and the due dates. Accept it or walk away. There is no obligation.

Line the request up once.Read the terms on the ground.Decide before anything moves.

Placards

What stays true on every request

A cockpit keeps its limits on small plates where nobody can miss them. These are ours.

Placard 1

Free to request, every time

eLendingPilot does not charge you to send a request. We may be paid by lenders and partners in our network.

Placard 2

Ask with the credit you have

Lenders in our network consider all credit types. Each one decides for itself, so an offer is never certain.

Placard 3

Asking leaves your score alone

Checking your options won't affect your credit score. A lender may run its own check if you go ahead.

Costs

What a short loan can cost, worked through once

Short term loans are an expensive way to borrow. The Consumer Financial Protection Bureau gives this example of a typical two week payday loan. It is an example, not an offer from us or from any lender.

Your lender sets the real terms. The fee, the APR and the due dates on your offer depend on the lender, the amount and the state you live in. Read them before you accept, and borrow only what you can repay on time.

Fee in the example
15 dollarsfor every $100 borrowed
Term
2 weeksone payment at the end
Borrow $100
115 dollarsto repay on the due date
As an APR
Almost 400 percentbecause the term is so short

Source: Consumer Financial Protection Bureau, What is a payday loan, last reviewed May 28, 2024. The same page says many state laws cap these fees at 10 to 30 dollars for every $100 borrowed.

Strip board

Questions on the board

Controllers keep one paper strip per flight in a rack. Here is one strip per question people type when they want to get a loan online. Tap a strip to pull it out.

How do online loans work?

You fill in one short request form with the amount, some details about you, your income and your bank account. eLendingPilot sends it to lenders in our network. A lender that wants to make an offer shows you the amount, fees and due dates. You read them and choose whether to accept. We are not a lender.

Can I get a loan online with bad credit?

You can send a request with any credit history. Lenders in our network consider all credit types, and many look at income and bank activity as well as a score. Each lender decides for itself, so an offer is never certain. Sending the request does not affect your credit score.

How long does it take to get a loan online?

The request form takes a few minutes to fill in. After that, timing is up to each lender. If a lender approves you and you accept the offer, funds can arrive as soon as the next business day. Bank processing times, weekends and holidays can add to that.

Is it safe to get a loan online?

It can be, if you check a few things first. The page should load over an encrypted connection, shown by https in the address bar. A lender should show you the fees, the APR and the due dates before you sign. Be wary of anyone who asks for a payment before you receive a loan. Our form is sent over an encrypted connection.

Is it better to get a loan online or in person?

Neither is better for everyone. Online, you can send a request from your phone at any hour and read an offer at home. In person, you can ask questions face to face. Whichever you choose, compare the total cost and the due dates before you sign, and take the offer you can repay on time.

Can I get a loan online without talking to someone?

Often, yes. The request form is filled in on your screen, and no call is needed to send it. Some lenders finish everything online. Others phone or email to confirm details such as income or identity before they decide. If a lender contacts you, you can still say no.

How many online loans can you have?

There is no single number. It depends on each lender's own policy and on the rules where you live, which differ from state to state. Lenders also look at what you already owe. A second loan adds a second set of fees and due dates, so add up the total before you ask.

Plain dealing

What eLendingPilot does and does not do

We run one thing: the route between your request and lenders who might answer it.

Illustration of an empty train platform early in the morning, the kind of wait a $100 to $5,000 request can come from

The 6:40 did not come and the shift still starts at 8. Weeks like that are why people ask.

Our part

  • Pass your request to lenders in our network
  • Send the form over an encrypted connection
  • Say plainly that we are not a lender
  • Let you unsubscribe from our email at any time

Never our part

  • Make loans or credit decisions
  • Charge you for sending a request
  • Promise an offer, an amount or a date
  • Set the rate, the fees or the due dates

Guides

Read up before you file a request

Three short reads on questions people ask before they get a loan online.

Illustration of an empty bus shelter at dawn

Is it safe to get a loan online

Six checks you can run on any loan site in a few minutes.

Illustration of a commuter bike with its chain slipped off

Loan online or in person

What changes between a screen and a counter, and what does not.

Illustration of a small car with its bonnet up

Getting a loan online without a phone call

When a lender may still ring you, and why.

The lights are on and the form is at the end of them

One request, $100 to $5,000, free to send. Lenders decide, and you decide after them.

Go to the request form
$100 to $5,000, free to requestBack to the form