Loans NG is a US-only iOS app that helps you privately compare pre-qualification offers from licensed third-party lenders — in a single, calm flow. We are a marketplace, not a lender.
Most loan-finder apps try to look like a lender. We don’t. Loans NG is a marketplace — you fill out a single form, and licensed third-party lenders look at your profile and decide whether they want to send you an offer. You stay in control: review terms, pick what fits, or walk away.
Inside the app, the flow is the same for everyone. No surprise screens, no upsells.
Name, contact details, address, employment, income, the loan amount you want and the bank account where funds would land. We ask once — not on every screen.
Licensed partner lenders review what you submitted and decide whether to extend a pre-qualification offer. Pre-qualification uses a soft inquiry, which does not affect your credit score.
If offers come back, you see APR, term and total cost side-by-side. If you accept one, the lender takes over: hard inquiry, final underwriting, agreement, and funding. We step out of the way.
Most lenders fund accepted loans within 1–3 business days. Final timing depends on the lender, your bank, and the time of day you accept.
Three things that happen as you go through Loans NG — and three that don’t. Side by side, in plain language.
The App Store opens. You install Loans NG like any other free iOS app. No data leaves your device until you start the form.
No “instant pre-approval” prompt. No phone call. No SMS. No marketing email — we don’t even know who you are yet.
Your application is shared with licensed lenders in our network over an encrypted channel. They review it on their side using a soft inquiry.
No hard inquiry on your report. No funds move. No “guaranteed match” promise. We don’t auto-rollover or auto-renew anything.
You see APR, term and total cost side-by-side. Pick one and the lender takes over: hard inquiry, final agreement, funding through ACH.
Closing the app isn’t an obligation. We don’t sign you up by default and we don’t pretend that walking away is the wrong move.
Final APR, fees and amounts are determined by the individual lender based on creditworthiness, state of residence and term length. State law may further cap APR — for example, New York and Massachusetts apply lower limits than the upper bound below.
Drag the sliders to see how amount, term and APR shape a monthly payment. Stays inside the network envelope. Your real offer is set by whichever lender approves your application.
Illustrative only. Network APR ranges from 4% to 35.99% and term from 70 days to 36 months; the slider stays inside that envelope. Your actual rate, fees and schedule are determined by the lender that approves your application and by the laws of your state. State usury caps may further reduce the upper bound.
Lenders set their own underwriting, but the platform itself has a few baseline requirements. If any of these don’t fit, we’d rather you know up front than waste your time.
Four short questions. Lenders make their own calls — but this tells you whether the platform’s baseline is even open for an application. Nothing leaves your browser.
You’re not blocked at the door. Each lender still applies their own underwriting based on creditworthiness, state of residence and other criteria — but the four platform-level requirements are clear. Whenever you’re ready, you can fill out the in-app form.
Lenders likely won’t be able to consider an application from the network right now. The most common reasons are age, US-residency, having a bank account, or a verifiable income source. If your situation changes, the app will be here.
It might still work — but read the eligibility section above and the relevant FAQ before applying. Submitting fabricated or guessed information is grounds for refusal and possible referral to fraud prevention.
Loans NG is a lead-generation platform. That means we share your application with lenders who pay us a referral fee when a match is made. Under California’s CCPA / CPRA, that transfer can qualify as a “sale” or “sharing.” We say so plainly, instead of pretending otherwise.
Full details on what we collect, how it’s stored and how to make a request live in our data handling policy.
If you don’t see your question here, write us through help & support — a human reads every message.
Eight terms that come up in the app and on this page. Tap any one to see what it actually means — no jargon, no fine-print runaround.
We never call you uninvited.
Insteadyou reach us — by email or in-app — and we reply within one business day.
We never use scarcity tactics or fake urgency.
Insteadeach rate, term and timeline is the actual one, valid through the offer expiry the lender sets.
We never share your data with anyone you haven’t authorized.
Insteadpartners receiving your application are listed in section 6 of our data handling policy.
We never claim “no credit check.”
Insteadwe say upfront: a soft inquiry runs at pre-qualification, a hard inquiry only after you accept.
We never charge you a fee.
Insteadevery fee that applies sits in the lender’s disclosure box before you sign — nothing else from us.
We never punish walking away.
Insteadyou can close the app at any step — no follow-up calls, no marketing emails, no surcharges.
Each pledge maps to a specific compliance rule (TCPA, UDAAP, FTC Act §5, CCPA / CPRA). If anything drifts, write to support@shortloansng.com with the subject “Pledge breach” — we will reply within one business day.
No surprise screens. No email funnels. One short form, and only the next step you choose.
