How It Works

Fill Out Our Simple Application

Our online form takes just 2 minutes to complete. We only ask for essential information — your basic details, income, and banking info. No paperwork, no faxing, no branch visits required.

100% Online No Hidden Fees SSL Encrypted

Get Matched With Lenders

Once you submit, we instantly match your application with lenders in our network most likely to approve you. You'll receive offers to review — compare rates, terms, and find the best fit for your needs.

Multiple Options No Obligation Instant Results

Get Your Funds Fast

Accept your offer, complete any final verification, and the money is on its way. Most borrowers receive funds deposited directly into their bank account within 24 hours — sometimes even the same day.

Direct Deposit As Fast as 24hrs Use Funds Freely

Start Your Application

No impact on your credit score to check rates

What You'll Need to Apply

Have these ready to speed up your application

Valid ID

Government-issued photo ID

Proof of Income

Pay stubs or bank statements

Bank Account

Active checking account

Contact Info

Email & phone number

Trusted by Thousands of Borrowers

Verified reviews from real loan applicants

“

NeptuneLoan approved me within a day and the funds hit my account the next morning. Super smooth and transparent.

John D. ✔ Verified

Texas • $15,000 loan

Bad credit accepted • Credit score 600+

“

Clear terms, no surprises. I compared multiple lenders and NeptuneLoan matched me with an offer that actually made sense.

Sarah M. ✔ Verified

San Diego, CA • $8,000 personal loan

Funded in 48 hours • Credit score 710+

“

My bank said no, but NeptuneLoan still found a lender willing to work with my situation. Fast response and fair rates.

Michael R. ✔ Verified

Tampa, FL • $5,000 installment loan

Approved same day • Credit score 640+

Frequently Asked Questions

How long does the application process take?

The online application typically takes just 5-10 minutes to complete. Once submitted, you may receive a decision within minutes, and if approved, funds can be deposited into your account as soon as the next business day.

What are the requirements to apply?

Basic requirements include: being at least 18 years old, having a valid U.S. bank account, a regular source of income, and a valid email address and phone number. Specific requirements may vary by lender.

Will applying affect my credit score?

Submitting an application through NeptuneLoan does not affect your credit score. We perform a soft credit check initially. However, if you're matched with a lender and proceed with a loan application, the lender may perform a hard credit inquiry.

What loan amounts are available?

Loan amounts typically range from $500 to $35,000, depending on the lender and your qualifications. The actual amount you may qualify for depends on factors like income, credit history, and state regulations.

Is my personal information secure?

Yes, we take security seriously. All data transmitted through our website is protected with 256-bit SSL encryption. We never sell your personal information and only share it with lenders in our network for the purpose of processing your loan request.

How quickly can I receive my funds?

Once approved by a lender, funds can be deposited directly into your bank account as soon as the next business day. Some lenders may offer same-day funding depending on when you're approved and your bank's processing times.