Cash in Reach is not a lender and does not make loan or credit decisions. Ad Disclosure
+1-786-605-6210 Get started
A loan-matching service

Help that's within reach.

Tell us what you need in a few simple steps. We'll look through our lender network for someone who may be able to help.

How much do you need?

Loans from $100 to $35,000. Pick an amount; you can change it later.

Let's get started

Your details travel over a 256‑bit SSL encrypted connection.

  • Cash in Reach is not a lender. When you submit your request, your information may be shared with third-party lenders, networks, and service providers, who may compensate us.
  • See our Terms, Privacy Policy, E-Consent and Ad Disclosure.

Whatever has come up

People reach out for all kinds of reasons. Lenders in our network offer loans like these.

  • Personal Loans
  • Bad Credit Loans
  • Emergency Loans
  • Debt Relief
  • Debt Consolidation

How it works

  1. Step 1: Tell us about you

    Plain questions, one at a time, on your phone or computer. Go at your own pace.

  2. Step 2: We look for a lender

    We share your request with lenders in our network to see who may be able to help. People with all kinds of credit histories are welcome to ask.

  3. Step 3: You decide

    If a lender approves you, you'll see their terms and choose whether to accept. Funds go straight to your bank account.

What you can count on

Straightforward from the first question to the last.

  • Simple questions

    One question at a time, in plain words, on any device.

  • A wide lender network

    We look across our network for a lender who may be able to work with you.

  • Your details, protected

    Everything you send travels over a 256‑bit SSL encrypted connection.

  • Free to use

    Our service costs you nothing, and you're never obligated to accept an offer.

  • A quick answer

    We start looking the moment you send your request, and you'll see the result right on screen.

  • You stay in control

    You decide whether any offer is right for you, and you can stop at any time.

Let's get started

What a loan could cost

These examples show how the amount, rate and term add up. Your real numbers come from the lender and depend on your situation.

$1,000

Interest rate
24%
Origination fee
5% ($50)
Amount you receive
$950
Term
12 months
Monthly payment
$94.56
Total of payments
$1,134.72
APR
34.14%

$2,000

Interest rate
19%
Origination fee
5% ($100)
Amount you receive
$1,900
Term
24 months
Monthly payment
$100.82
Total of payments
$2,419.68
APR
24.38%

$5,000

Interest rate
13%
Origination fee
5% ($250)
Amount you receive
$4,750
Term
48 months
Monthly payment
$134.14
Total of payments
$6,438.72
APR
15.80%

$10,000

Interest rate
8%
Origination fee
5% ($500)
Amount you receive
$9,500
Term
60 months
Monthly payment
$202.76
Total of payments
$12,165.60
APR
10.20%
Loan Details$1,000$2,000$5,000$10,000
Interest rate24%19%13%8%
Origination fee5% ($50)5% ($100)5% ($250)5% ($500)
Amount you receive$950$1,900$4,750$9,500
Term12 months24 months48 months60 months
Monthly payment$94.56$100.82$134.14$202.76
Total of payments$1,134.72$2,419.68$6,438.72$12,165.60
APR34.14%24.38%15.80%10.20%

*These are example rates for illustration purposes only. Actual rates and terms will vary based on your qualifications and lender.

The APR includes the origination fee, which is deducted from the loan amount, so it is higher than the interest rate.

Good questions to ask

Plain answers about how Cash in Reach works.

What exactly is a personal loan?

It's money you borrow from a lender and pay back over time. Depending on the lender and your situation, it can be anywhere from $100 up to $35,000, with repayment terms of up to 72 months. People use them for things like home projects, car repairs or bigger purchases.

What do I need to apply?
  • You're 18 or older
  • You're a U.S. citizen or permanent resident
  • You have a job or another steady source of income
  • You have a bank account (direct deposit helps)
Does Cash in Reach charge me anything?

No, our service is free. Lenders do charge interest and/or fees, and if one approves you, they must show you the full terms. Read them carefully, and only accept if they work for you.

What rates and repayment terms should I expect?

APR (annual percentage rate) is the yearly cost of borrowing. APRs may range from 5.99% up to 35.99%, with repayment periods from 91 days to 72 months. What you're offered depends on your own circumstances.

How do I pay the loan back?

Your loan agreement spells out the schedule, the amounts and how to pay. If anything is unclear, ask your lender directly. They're the one who manages your loan.

How is my information protected?

Our site uses 256‑bit SSL encryption, so your details are encrypted on their way to us. When you send a request, your information may be shared with lenders, networks and service providers, as our Privacy Policy and Marketing Disclosure explain.

Whenever you're ready

It starts with a few simple questions. We'll take it from there.

Let's get started