Getting a loan has never been easier
Birch Lending was built to be your quick and convenient solution for borrowing money — no matter the situation. By submitting your details through our encrypted online form, we’ll match you with a loan offer that suits your needs. Thanks to our strong relationships with trusted, licensed lenders, we’re able to offer this no-cost service in nearly every U.S. state — all from the comfort and privacy of your home.
Our quick and secure online form takes just a couple of minutes to finish. it’s simple and hassle-free.
We welcome all credit profiles. Whether you have poor credit, great credit, or no credit at all.
Once approved, money can be sent straight to your bank account as soon as the next business day.
At Birch Lending, we're here to make borrowing simple. Just complete our secure online form, and we’ll connect you with trusted lenders ready to help — no matter your financial situation. Thanks to our wide network of authorized lending partners, we’re able to offer this convenient and completely free service across most of the U.S., all from the comfort of your own home.
We are here to answer your questions
When getting a loan you may have some simply questions about the process or regarding requirement. We have placed some of the most frequently asked questions you may have to make the loan process easier for you.
Last Updated: May 1, 2024
Last Updated: November 11, 2021
You understand and acknowledge that Birch Lending’s (collectively, “Birch Lending”, “us”, “we”, or “our”) Fair and Responsible Lending Policy (hereafter “Policy”) is intended to be read in conjunction with this Website’s Terms & Conditions and Privacy Policy This Policy is created in an effort to provide you with important information regarding your rights as a consumer and practices that may be applicable to our Network Partners. The contents of this Policy is not designed and should not be construed as legal advice. Any inquiries you may have regarding your loan or the presented loan offers should be addressed with the lender directly.
Introduction
Birch Lending is not a lender or party to any loan or other transaction, does not broker loans to lending partners, and does not make loans or credit decisions. We submit the information you provide us to the lending partners in our database who may use a soft credit check to assess your eligibility for a personal loan and may then provide loan offers. Birch Lending is committed to working with responsible lending partners who have policies in place to protect consumers against abusive, misleading, or fraudulent lending practices.
Only a lender or lending partner can provide you with information on their rates and terms. This will typically happen shortly after your loan request is complete, and you are connected with a lender or lending partner. Birch Lending does not make credit decisions or determine rates and terms. Remember, you are under no obligation to accept the loan offer if the terms are not satisfactory for whatever reason.
Repayment
Repayment on personal loans is generally performed either monthly or once every two weeks, depending either on your preferences or your lender's or lending partner’s terms. You may be able to have funds withdrawn automatically from your bank account on the date agreed upon with your lender or lending partner. Be sure that you read and fully understand all policies regarding repayment and understand what you will have to do as a borrower to repay the loan. Your loan cannot be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender or lending partner for more details.
Personal Loan Costs
On the whole, the eventual cost of a personal loan will vary a great deal based on factors related to the requester, the state the requester lives in, the lender or lending partner, and the requester's repayment. Other factors that matter are the amount of money that is borrowed, the period of time of the loan and the specific interest rates used. Your credit score may also be taken into consideration.
Credit Authorization Agreement
You acknowledge, agree, and authorize that Birch Lending, its Network Partners, providers, and respective agents (collectively, “we”, “us”, or “our”) may obtain your credit report from one or more consumer reporting agencies, such as TransUnion, Experian, Equifax, or Clarity. You acknowledge that we may use the credit report for any purpose permitted by law, including:
(a) To authenticate and verify your identity based on the information you provided;
(b) To access your eligibility for credit and identify products and/or services you may qualify for;
(c) To determine your current debt-to-income ratio; and
(d) To obtain a credit score.
When you check your rates and review loan offers via Birch Lending, we may perform a soft inquiry or hard inquiry on your credit report, which may impact your credit score.
Last Updated: May 1, 2024