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From application to funded — faster than you'd expect.
Fill out a simple 3-minute form. Checking your rate uses a soft pull — it will never affect your credit score.
Receive personalized rate options in seconds. Pick the loan amount and term that fits your budget perfectly.
Review every detail before you sign. Our documents are crystal-clear — no jargon, no hidden clauses.
Money lands directly in your bank account — often the same business day. Start using it right away.
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Checking your rate takes 3 minutes and won't affect your credit.
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This calculator is for illustrative purposes only. Actual rate and payment depend on creditworthiness, income verification, and lender underwriting criteria.
Monthly Payment
Fixed for the life of the loan
Principal vs Interest
Our rates are determined by your credit profile and loan details. The table shows representative rates across all credit tiers — no hidden costs, ever.
Representative APR 5.99%–35.99%. The Representative APR is based on a loan of $10,000 over 60 months. Not all applicants will receive the representative rate; your actual rate depends on individual circumstances.
| Credit | Score | APR Range |
|---|---|---|
| Excellent | 750+ | 5.99–9.99% |
| Good | 700–749 | 10.99–14.99% |
| Fair | 660–699 | 15.99–19.99% |
| Average | 620–659 | 20.99–24.99% |
| Poor | 560–619 | 25.99–35.99% |
Example based on $10,000 loan over 60 months. Representative APR 5.99%. Total amount repayable varies by rate.
Over 50,000 borrowers have trusted us with their financial goals.
“I consolidated three high-interest cards into one clean payment. The rate was better than I expected, and the whole process took less than a day.”
“Finally renovated my kitchen. The funds hit my account the morning after I signed. No runaround, no confusing paperwork. Exceptional service.”
“Faced a $25K surgery bill and was terrified. GoldRush approved me within hours, fixed rate, manageable payments. Genuinely life-changing.”
Our criteria are designed to be inclusive. If you have a stable income and a bank account, you likely qualify.
If you checked all four, you're likely eligible. Your exact rate depends on credit profile and income.
Must be a legal adult to enter a loan agreement.
U.S. citizen or permanent resident with a valid SSN.
Employment, self-employment, pension, or other regular income.
Checking or savings account for direct deposit.
We work with a range of credit histories.
Working email and phone number for verification.
Everything you need to know before you apply. Still have questions? Our team is here to help.
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Check your rate in 3 minutes with no impact to your credit. Join 50,000+ borrowers who chose GoldRush.
Get My Rate Now — It's FreeRepresentative APR: Loans carry an APR ranging from 5.99% to 35.99%. Loan amounts from $100 to $5000. Loan terms from 12 to 60 months. Representative example: $5,000 borrowed over 36 months at a representative APR of 14.99% (fixed) results in 36 monthly payments of $173.17, total repayable $6,234.12 (including $1,234.12 interest). Representative APR 14.99%.
No Guarantee: Submitting an application does not guarantee approval. All applications subject to credit review, income verification, and underwriting. Not all applicants will qualify.
Credit Check: Rate inquiries use a soft pull and do not affect your credit score. Full applications may result in a hard inquiry. State availability and loan terms vary.
Not a Direct Lender: Scratchpay may operate as a loan marketplace connecting consumers with a network of lenders. Compensation may be received from lenders for referrals.