New Capital Financial
Get My Offers Soft inquiry - no credit impact
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Questions?
We've Got Answers.

Find answers to common questions about our process, loan options, and how New Capital Financial works.

Checking your options won't impact your credit score.

From application to funding

A simple process from start to finish.

Apply in 2 minutes
Choose your offer
Sign electronically
Get funded as soon as next day*
One application. Multiple possibilities.

You decide if an available offer is right for you.

*In most cases, once funded by lender.

Getting Started

New Capital Financial is a personal loan marketplace that helps you explore options from participating lending partners. With one simple application, you can compare available offers and choose the option that's right for you.

No. Checking your options through New Capital Financial uses a soft credit inquiry, which does not affect your credit score.

Most adults who are U.S. residents and meet a participating lender's eligibility requirements can apply. Specific requirements vary by lender.

You'll typically need your basic contact information, income details, and the loan amount you're looking for to complete the application.

No. New Capital Financial is not a direct lender. We connect consumers with participating lending partners that may provide loan offers.

No. Submitting an application does not guarantee that you will receive a loan offer, as approval is determined by each individual lender.

Your Social Security number helps participating lenders verify your identity and determine which loan options may be available to you.
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How It Works

Complete one simple application to check for available loan options. Your information is matched with participating lenders, and if offers are available, you'll be able to compare your options and decide whether you'd like to continue.

Our application is designed to be quick and simple — most people complete it in just a few minutes.

The number of offers varies based on your information and lender availability. Some applicants receive multiple offers, others may receive none.

No. Receiving an offer depends on the eligibility criteria of our participating lending partners.

Once you select an offer, you'll be redirected to the lender's site to review the final terms and complete the process directly with them.

You are not obligated to accept an offer, and most lenders allow you to decline before signing final loan documents.

Availability of this feature can vary — we recommend completing your application in one session whenever possible.
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Loan Options

Loan amounts vary by lender and depend on your creditworthiness and other eligibility factors. Available loan amounts will be shown with your offers.

Your APR is determined by the lender based on factors like your credit profile, loan amount, and term, and will be disclosed with your offer.

Loan terms vary by lender and offer, and will be clearly shown to you before you accept any loan.

Personal loans can typically be used for a wide range of purposes, such as debt consolidation, home improvement, or unexpected expenses.

Yes, many borrowers use personal loans to consolidate higher-interest credit-card balances into a single monthly payment.

Prepayment policies vary by lender — some allow early payoff without penalty, while others may not. Check your loan agreement for details.

Fees vary by lender and may include origination or late fees. All applicable fees will be disclosed in your loan offer.
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Credit

There is no single credit-score requirement because each participating lender maintains its own eligibility and underwriting criteria.

Yes. Our network includes lenders that work with a range of credit histories, so it's worth checking your options.

Checking your options through New Capital Financial uses a soft inquiry, which does not affect your credit score.

Once you move forward with a lender, a hard credit inquiry may be performed, which can have a small, temporary impact on your score.

Past credit challenges don't automatically disqualify you — some lenders in our network specialize in a wider range of credit profiles.

Credit history helps lenders assess risk and determine the rates and terms they're able to offer you.
View all 6 questions
Funding

Funding times vary by lender. Some lenders may be able to fund an approved loan as soon as the next business day, while others may take longer depending on verification requirements, your bank, and when the loan is finalized.

Funds are sent directly by the lender you choose, not by New Capital Financial.

Most lenders deposit funds directly into your bank account once your loan is finalized.

Delays can happen due to incomplete documentation, bank processing times, or additional verification requested by the lender.
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Privacy & Security

Your information is transmitted through secure technology designed to protect personal information during the application and matching process.

Yes. To match you with offers, your information is shared with participating lending partners in our network.

We do not sell your personal information to unrelated third parties. Please see our Privacy Policy for full details.

You may be contacted by lenders reviewing your application. You can ask to be removed from a lender's contact list at any time.
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About New Capital

No. New Capital Financial is not a direct lender. We connect consumers with participating lending partners that may provide loan offers based on their individual qualifications.

One application lets you compare multiple potential offers side by side, saving you time versus applying with each lender separately.

No. We present available offers, but the final choice of which loan to accept is always yours.

You're never obligated to accept any offer you receive through our platform.

We can't guarantee specific rates, as terms are set individually by each participating lender based on your qualifications.

No. Approval decisions are made solely by the lender you choose to work with.

Once your loan is funded, your lender will be your point of contact for any questions about your account or payments.
View all 7 questions

Ready to explore your options?

One simple application could connect you with multiple loan offers from our network of lending partners.

  • No impact to your credit score to check options
  • No obligation to accept an offer
  • Secure, simple and confidential
Get My Offers
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Still have questions?

Our team is here to help you every step of the way.

Call Us
(888) 315-3319

Mon–Fri: 7AM–7PM PST

Sat: 9AM-2PM PST

Live Chat
Chat with a specialist

Mon–Fri: 7AM–7PM PST

Sat: 9AM-2PM PST

Why Borrowers Choose New Capital Financial

4.9

Trustpilot Rating

5,200+ verified reviews

430,000+

Borrowers Helped

$3.7B+

Funded Through Our Lending Partners

40+

Trusted Lending Partners

A+

BBB Accredited & Rated

Ready to See Your Options?

One application. Multiple possibilities. No obligation.

  • No obligation
  • Secure process
  • Won't impact your credit score
Get My Offers