Get My Offers Soft inquiry - no credit impact
OUR LENDING PARTNER NETWORK

One Application. All Our Lenders. Multiple Offers For You.

When you apply with New Capital Financial, your application is securely sent to our entire network of top lenders. They compete for your business—so you get multiple offers to choose from.

Checking your options won't impact your credit score.

1 Application

One simple application started with us.

We Send It To Our Entire Network

Your application is securely shared with our trusted lending partners.

Lenders Compete For Your Business

Our lenders review your application and compete to offer you the best options available.

You Get Multiple Offers To Choose From

Compare offers side by side and choose the one that's best for you.

You're in control.
Save Time

One application instead of many.

More Offers

More lenders means more opportunities.

Better Options

Compare offers and choose what works best for you.

Secure & Private

Your information is protected at every step.

Our Lending Partners

Access top lenders across a wide range of credit profiles and loan needs.

PRIME CREDIT

720+

For borrowers with excellent credit.

SoFi

  • Credit Spectrum: Prime+ > 720
  • Loan Amount: $5,000 – $100,000
  • APR: Rates from 6.99% - 35.49%

axos

  • Credit Spectrum: Prime+ > 730
  • Loan Amount: $7,000 – $50,000
  • APR: Rates from 8.99% - 19.79%

splash

  • Credit Spectrum: Prime+ > 700
  • Loan Amount: $5,000 – $50,000
  • APR: Rates from 6.99% - 35.99%

lightstream

  • Credit Spectrum: Prime+ > 660
  • Loan Amount: $5,000 – $100,000
  • APR: Rates from 6.49% - 25.39%
NEAR PRIME CREDIT

600 – 719

Good credit with strong potential.

best egg

  • Credit Spectrum: New Prime 600 – 660
  • Loan Amount: $2,000 – $50,000
  • APR: Rates from 5.99% - 35.99%

PROSPER

  • Credit Spectrum: Prime+ > 660
  • Loan Amount: $2,000 – $50,000
  • APR: Rates from 8.99% - 35.99%

LENDINGPOINT

  • Credit Spectrum: Prime+ > 660
  • Loan Amount: $2,000 – $25,000
  • APR: Rates from 7.99% - 35.99%

HAPPEN

  • Credit Spectrum: New Prime 600 – 660
  • Loan Amount: $1,000 – $50,000
  • APR: Rates from 7.95% - 29.99%

MARINER

  • Credit Spectrum: New Prime+ > 620
  • Loan Amount: $1,000 – $15,000
  • APR: Rates from 16.00% - 35.99%
FAIR & CHALLENGED CREDIT

540 – 599

Options for rebuilding and improving credit.

OneMain Financial

  • Credit Spectrum: Near Prime+ > 540
  • Loan Amount: $1,500 – $10,000
  • APR: Rates from 11.99% - 35.99%

Upstart

  • Credit Spectrum: Subprime+ > 540
  • Loan Amount: $1,000 – $15,000
  • APR: Rates from 6.20% - 35.99%

AVANT

  • Credit Spectrum: Subprime+ > 580 and ≥ 760
  • Loan Amount: $1,000 – $40,000
  • APR: Rates from 9.95% - 35.99%

Rates shown are current published ranges and may change. Actual APR depends on credit profile, loan amount, term, and lender underwriting.

Why Borrowers Choose New Capital Financial

4.9

Trustpilot Rating

5,700+ verified reviews

430,000+

Borrowers Helped

$3.7B+

Funded Through Our Lending Partners

40+

Trusted Lending Partners

A+

BBB Accredited & Rated

More Offers. Better Choices. All With One Application.

Our entire network of lenders competes for your business so you can compare multiple offers and choose the one that's right for you.

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