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Inquiry, considered.
Process / Encrypted form
One short inquiry, no fax queue, no kiosk visit. The form is the gallery floor, quiet, deliberate.
Look past this week's bills.
Check your options$100 to $5,000 · as soon as the next business day, if approved
256-bit SSL · Checking your options won't affect your credit score · Free to ask
Request $100 to $5,000 in one form and see which lenders respond.
Look past this week's bills.
Check your optionsRidgePolicy is a single-lender routing service for one of the most quietly stressful errands in modern life: looking at a loan offer.
We do not lend. We do not approve credit. We do not decide what a fair rate looks like for your situation, the lender does that, and they must disclose every fee in writing under the Truth in Lending Act. Our work is to keep the introduction short and the inquiry encrypted, then step out of the room.
One short inquiry, no fax queue, no kiosk visit. The form is the gallery floor, quiet, deliberate.
Your inquiry leaves us and arrives at a lender's desk. They review, decide, and offer, we never do.
If the lender approves and you accept, funds settle to the bank account you provided. Timing depends on bank cut-off.
RidgePolicy routes your encrypted inquiry to a lender in our network. They make the credit decision, set every rate, and write any loan agreement. We hold no lending authority and we receive no payment from you.
Submitting the form is the first quiet step. If a lender returns terms, you read them with no rush, APR, total cost, schedule, and accept only what fits. Walking away costs nothing.
Your lender (and any marketing partner you consent to on the form) handles all outreach. Email and SMS can be opted out anytime via our Unsubscribe page. We never make cold sales calls.
No. RidgePolicy is not a lender and does not make credit decisions. Your request goes to participating lenders; whoever responds decides and sets the terms.
Anywhere from $100 to $5,000. Lenders decide how much they can offer, so an offer may be lower than what you asked for.
Checking your options won't affect your credit score. A lender may run its own credit check as part of considering your request.
Many lenders deposit as soon as the next business day after approval and acceptance, but the timing is set by the lender and your bank.
Usually a valid ID, a steady source of income, an active checking account, and a working phone and email. You must be 18 or older and a US resident.
No. Using RidgePolicy is free. Lenders pay us when we introduce a borrower; any loan costs are set by the lender and shown to you before you accept.