How It Works

LavishFinancial’s accelerated online lending process was created to make it fast and convenient for you to access funding for whatever you want. By working with a network of trusted lenders, we connect customers with their perfect loan offer. Our request process takes everything online –from form submission to lender approval and funding. If you're approved, you'll usually receive funding in as little as one business day, depending on the lender. When you want to finance your big plans, let LavishFinancial get you what you need.

Purple is the
new color of money.

Understanding Personal Loans

Fast, Easy and Secure Online Form

LavishFinancial’s loan request form is easy to complete and takes less than five minutes. We will only ask you for the information that is necessary for the lender to consider you for the loan. After you submit your information, we will share it with our network of participating lenders and advertisers. Personal loan lenders can offer you up to $50,000 as soon as the next business day, often without requiring you to fax a single document. We use 256-bit SSL/TLS technology to encrypt your data, providing you with a secure connection as you navigate through our website.

Personal loan Offers with No Obligation

Minutes after you submit your information, you can be connected with a lender. You will be able to review the terms and conditions before you accept. If you do not like an offer, you are under no obligation to accept it - simply decline and re-submit your information to be qualified for another offer.

Receive Your Funds

Once you have chosen the personal loan offer that suits you best, you will enter a contract with that lender and will be required to provide an electronic signature. In general, loan underwriting can take up to 24 hours (depending on the lender and the information you provided), and the money is deposited into your bank account as soon as the next business day.


Before you request a loan on, it is important to ensure that you will have the funds available to repay the loan in the specified time frame. In most cases, the amount borrowed, plus any applicable fees and interest will be withdrawn from your bank account on a predetermined date. If for any reason, you are unable to repay your loan on your due date, you can contact your lender to ask about extensions. Make sure you do so before the due date. Any adjustments made to your current loan conditions will include additional charges. If you do not pay back your loan by the specified due date, your lender may choose to report this delinquency to one or more of major credit bureaus, which could negatively affect your rating. encourages consumers with credit problems to consult a credit counselor.

Get Connected With a Trusted Lender

LavishFinancial will get you a real-time response to your loan request. When you submit your information, we'll redirect you to the lender's website if they are interested in your application. In most cases, the lender will contact you via telephone, email, text message, etc. to confirm your information and finalize the loan. You'll want to respond quickly to ensure that your funds are deposited.

Do I Qualify for a Personal Loan?

Individual lenders will have their own criteria for eligibility, but here are some general requirements to keep in mind. You must:

  • Be 18 years or older
  • Have a Social Security number
  • Be a permanent resident or U.S. citizen
  • Have a steady income source
  • Have a valid bank account
  • Have a valid phone number and email
  • Meet income requirements

Overdue accounts, credit scores, bankruptcies, and various state regulations can also affect your eligibility for a personal loan. LavishFinancial cannot guarantee that you will be approved, but we'll see which offers meet your situation.

Responsible Lending

We want you to enjoy all the benefits of a personal loan. That's why we're going to remind you that it's important to repay your loan on time. Also, be sure to contact your lender immediately if you are going to miss a payment. That will allow you to negotiate new terms with your lender and might save you money.

Always keep in mind that short-term credit shouldn't be used as a long-term financial solution. Only start new monthly credit payments when your spending is less than your monthly income. Abusing borrowing rights can damage your personal finances, lower your credit score, and incur additional fees. Be sure to follow responsible borrowing practices and seek counsel if you need help with debt management.

Advertising Disclosures

LavishFinancial does not charge to submit your information and request a loan. If you receive a loan offer, the lender can review terms with you at no cost. It is possible that the lender may require a fee to process a formal loan application or credit report, but until you sign a loan agreement, you can shop with LavishFinancial at no cost.

The offers you receive are from companies from which LavishFinancial receives compensation, and this may impact what offers you receive and how products appear on the site. LavishFinancial does not include every lender available in the marketplace. Always review the terms of your loan before signing.


Please refer to the FAQ page for general information about personal loans. To provide feedback or comments regarding our website, please email us at For questions about your loan or loan terms, please contact your chosen lender directly. does not have access to your loan details and cannot answer any questions relating to it.

Purple is the
new color of money.