Quick2Lend Review: Connects You With Fast But Costly Loans

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Is Quick2Lend legit?

Yes, Quick2Lend is a real loan referral service that connects borrowers with lenders. But that doesn’t mean it’s your best option.

It states on its website: “The compensation received (from lenders) may affect which offer you are presented with.” Basically, this means that rather than giving you an offer that best aligns with your credit, income and other qualifications, you’re being sold to the highest bidder. True legit lenders typically try to match borrowers with the best loan option for their financial situation.

Where Quick2Lend falls short

One of the biggest downsides to this referral service is that it’s not transparent about rates. At the top of its website, it says APR rates range from 5.99% to 35.99% for “qualified consumers.” But in the fine print at the bottom, it also says those rates are “not reflective of all loan products offered in our network.” And, because this service is geared toward borrowers with lower credit scores, you can most likely expect to pay much higher rates.

Legitimate lenders that offer installment loans for people with poor credit typically state their actual range of rates up front, so you know what you’re getting into. If your credit score is fair to good — think 620 or higher — you may want to consider some of our top picks for personal loans with rates in the range of 5.99% to 35.99%.

How Quick2Lend compares to other lenders

6 of 6 results

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Finder Score	Loan amount	Turnaround time	Requirements
Promoted Finder score 9.5 Excellent EarnIn	Finder score 9.5 Excellent	Up to $150/day, with a max of $1000 between paydays	1–2 business days standard; minutes with Lightning Speed	At least 18 and a US resident, Valid Social Security number, At least 60 days of banking history, Proof of consistent income, Positive bank balance, Get paid by direct deposit.	Access up to $150 per day, with a max of $1000 between paydays. Not available to CT or Washington, D.C. residents. Subject to EarnIn terms & conditions.	$50 REWARD Go to siteView details Compare product selection Compare	loading
Promoted Finder score 9.1 Excellent CreditNinja Installment loan	Finder score 9.1 Excellent	$300 to $5,000	1 to 2 business days	Checking account at least 60 days old, regular income through direct deposit, resident of eligible state, age of majority in your state	Not available in: AK, CO, CT, FL, GA, IL, IA, KY, ME, MD, MA, MT, NV, NH, NJ, NM, NY, NC, ND, OR, VT, VA, WA, WV. Fast online funding up to $5K, but you won't know about rates and terms until after you apply.	Go to siteView details Compare product selection Compare	loading
Promoted Finder score 8.7 Great Current	Finder score 8.7 Great	$50 to $750	Up to 3 days or within an hour for a fee	Among other factors, you must receive a monthly total of $500 or more in Eligible Payroll Deposits into your Current Account.	Get up to $750 before payday, once you qualify. Paycheck Advance is an earned wage access service and is not a loan or credit product. Subject to Paycheck Advance Terms and Conditions.	Go to siteView details Compare product selection Compare	loading
Finder score 9.4 Excellent OppLoans Installment Loans	Finder score 9.4 Excellent	$500 to $5,000	As soon as the same business day	+18 years old, Receive paychecks through direct deposit, $1,500 minimum monthly income, Live in eligible state	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Go to siteView details Compare product selection Compare	loading
Finder score 9.4 Excellent Varo Cash Advance	Finder score 9.4 Excellent	$20 to $500	Instant, once qualified	You must have an active Varo Bank with a positive balance, no delinquent VLOC or charged off Believe account in prior 6 months and one of the following: 1) receive Qualifying Direct Deposits (QDD) of $800+ to your Varo Account current or previous calendar month (max line size $500) or 2) A linked account with QDD of $800+ in the current or prior calendar month, average daily balance of $100 in the previous 30 days and active for at least 60 days (max line size $250) or 3) receive deposits of $800+ to your Varo Account in the previous 3 months (max line size $100). Additional qualifications may apply.	Varo Advance (VA) is a small dollar line of credit. Initial limits range from $20-$250. Work your way up to $500 over time. Fees range from $1.60 - $40 based on loan amount and deposits to your Varo Bank Account. No interest is charged. Qualifications Apply.	Go to siteView details Compare product selection Compare	loading
Finder score 8.2 Great Cleo	Finder score 8.2 Great	$20 to $250	3 to 4 days or instant for a fee.	Not stated	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to siteView details Compare product selection Compare	loading

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How we picked these

What is the Finder Score?

The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.

Read the full breakdown

What makes Quick2Lend shine?

The best part of Quick2Lend is that it really is quick. The application and approval process only takes minutes, and most borrowers can receive funds in their account the next business day or possibly sooner. The speed of funding is an advantage in an emergency.

There’s also no minimum credit score to apply, which gives almost anyone the option to get a loan. Still, with rates potentially in the triple digits, you may want to consider direct lenders that offer short-term loans and also accept borrowers with a range of credit scores. For smaller loan amounts, check out these cash advance apps with loan amounts up to $750 with no credit checks or interest charges.

Quick2Lend loan details

Quick2Lend contact info

Calculate your monthly loan payments

Use our loan repayment calculator to compare monthly payments and the total cost of the loan based on different rates and loan terms.

How to qualify for Quick2Lend

The qualifications listed by Quick2Lend are just the basics and common to most online lenders.

• Be at least 18
• Have a valid bank account
• Get paid by direct deposit
• Have a regular source of income

How to apply

The application and approval process should only take a few minutes, according to Quick2Lend’s website.

1. Fill out the online application.
2. Receive a decision and offer within minutes.
3. Accept the offer and (typically) undergo a hard credit check.
4. Expect funds in your bank account by the next business day if approved.

Quick2Lend reviews and complaints

Quick2Lend doesn’t have a page on the Better Business Bureau (BBB), and it only has 57 reviews on Trustpilot. Satisfied customers said it was a fast and easy process, although rates were quite high. Complaints included not being able to borrow as much as they wanted, inability to adjust payment dates and slow response times from customer support.

Frequently asked questions

Is Quick2Lend a direct lender?

No. Quick2Lend partners with lenders, loan brokers and other providers. When you fill out an application, your information is basically sold to a third-party company, although you won’t necessarily receive a loan offer.

Can I apply for a Quick2Lend loan over the phone or in person?

No. Quick2Lend doesn’t have any physical locations or a phone number to call. You have to visit its website to apply. If you have any questions, you can email the company at customers@quick2lend.com. The site says you should get a response to your email within 48 hours.

Can I get a loan through Quick2Lend if I don’t have a credit score?

Possibly. Quick2Lend says its panel of lenders considers borrowers with low scores or no credit at all.

Will a loan through Quick2Lend help me build credit?

It might. Some lenders report to the major credit bureaus, which improves your credit if you maintain a history of on-time payments. However, there may be some providers that don’t report your payments, so you won’t see a boost in your score.