Ask once for $100 – $5,000 — lending partners answer with their own offers.
256-bit SSL encryption · checking your options won't affect your credit score
No branch visits, no stack of paperwork — one quick request, routed wide.
Pick an amount from $100 – $5,000 and add a few details about yourself and your income. Most people finish in about two minutes.
Your request goes out to our network of lending partners, who review it against their own criteria — no extra effort from you.
If a lender makes an offer, the rate and terms are shown up front. Accept only if it fits — funds can arrive as soon as the next business day, if approved.
Instead of filling out application after application, you complete a single request and it reaches multiple lending partners at once. Less typing, wider reach.
Lending partners review requests around the clock and reply directly with their own terms. Timing varies by lender — and if one approves you, funds can be deposited as soon as the next business day.
Your request travels over 256-bit SSL encryption. Checking your options uses a soft inquiry that won't affect your credit score — a lender only runs a hard inquiry if you move forward with their offer.
No. InstaPayTap is a free matching service. We route your loan request to independent lending partners who make their own credit decisions and set their own terms — we never decide approvals or rates.
Any amount from $100 – $5,000. What a lender actually offers depends on their own criteria, your details, and the laws of your state.
No — submitting a request uses a soft inquiry, which won't affect your credit score. A lender may run a hard inquiry only if you choose to continue with their offer.
If a lender approves your request and you accept the offer, funds are typically deposited as soon as the next business day. Exact timing varies by lender and by your bank.
Nothing. The service is free and there is no obligation to accept any offer. Any rates or fees belong to the loan itself and are disclosed by the lender before you sign.
Basic contact details, a regular source of income, and an active checking account for deposits. Individual lenders may ask for more when you continue on their site.
The request is free, takes about two minutes, and checking your options won't affect your credit score.
Start my request InstaPayTap is not a lender. Approval and funding are never guaranteed and vary by lender.