Kevin Mercadante

In a Nutshell, a subsidiary of Cash Advance, is a search aggregator that works an on entirely online model, using affiliates and partners to give borrowers access to a wide range of options. Designed to make it easier to compare borrowing options, can trace its roots back to the 1990s and has had a long history of success.

Over this time, the website has forged significant relationships with the best lenders in the industry to offer outstanding offers to all demographics. has helped millions of borrowers find great deals online, ranging from those with credit below 500 and to those with near-perfect credentials. The company was founded to combat the “one-size-fits-all” model and put the power back into the hands of the individual.

Service Profile does not lend any money or produce any loans; it only puts borrowers in contact with suitable financial products. As such, the terms of use for each individual are going to be different depending on the eventual lender that they choose. Across the spectrum of partnerships, can aggregate loans from $1,000 to $35,000 – to borrowers with credit scores from below 500 to above 720. The range of available APR will vary, but is between 5.99% and 35.99%. Loans can be used for anything from auto financing, debt consolidation, paying off credit cards and buying a new home.

Agreements made with partners of will be within a fixed loan term of between three and 72 months. also indexes lenders which offer shorter term and payday loans, which almost always come with a -6 month repayment period. National coverage is outstanding through – offering at least one type of loan in all but two states. Residents of North Dakota and Maine are unfortunate to not be included within the coverage area, but the majority of states have at least two types of loan to choose from.

Loan Features

  • 3-month to 72-month term
  • $1,000 to $35,000 limit
  • 5.99% - 35.99% APR
  • P2P, Bank & Personal loans
  • Approval within minutes
  • Funding paid within days
  • No prepayment penalties
  • No hidden fees

Loan Request Information

To request a loan from, you may have to provide the following information:

  • Paystubs
  • W-2 forms
  • Tax records
  • Social security number
  • Proof of identity
  • Proof of income
  • Employment status itself doesn’t require any faxed or transmitted documents to enable the search aggregator, though each individual lender may have specific requirements for application and approval. Those lenders offering a peer service may demand more detailed information on a personal level, to entice investors to fund the loans.

Repayment Terms

Repayment schedules through can reach up to 72 months, considerably longer than many other competitors. The average repayment term is between 12 – 36 months, though can be much shorter for payday and smaller loans. The majority of partners won’t enact penalties for early repayments, but will almost always charge for missed or late payments.

Help & Support is a very customer-focused business and boasts one of the easiest and most intuitive websites on the market. Packed with information about the service and industry in general, along with an FAQ page, you’re unlikely to need to contact the company’s customer support. However – you can reach the team during working hours through telephone or e-mail support.

Summary is a simple and pain free alternative to trawling through hundreds of lending websites. Even with the time and dedication, you might never find that diamond in the rough which saves you thousands of dollars. is incredibly easy to use and can direct you to a great lender within minutes. 

Physical Address

560 E 200 North, Suite 18 Roosevelt

Utah 84066

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About The Author

Kevin MercadanteByKevin MercadanteMar. 26, 2020
Kevin Mercadante is a freelance professional personal finance blogger, and the owner of his own personal finance blog, He has extensive backgrounds in both accounting and the mortgage industry.