Free referral service, not a lender$100 to $5,000No cost to ask

ShaleGate
Dawn light through a narrow gap between two layered stone walls, behind the ShaleGate loan request form for $100 to $5,000

$100 to $5,000 · every credit type can ask

See what lenders may offer

$100 to $5,000 · money as soon as the next business day, if approved

Encrypted form · free to send · not a lender

  • Encrypted end to end
  • Nothing to pay
  • A few minutes
  • Offers can be declined

Installment and payday loans, $100 to $5,000, when the week runs out before the pay.

Send one request and lenders may review it. If one approves you, the money can arrive as soon as the next business day.

Ring a bell?

When the money hits a wall before payday.

A small loan for a small gap. One free request for $100 to $5,000. If a lender approves you, the money can arrive as soon as the next business day.

Start my request
  • Rent clears on the 1st. Pay clears on the 8th.
  • The water heater died over the weekend.
  • A prescription cost more than you thought.
  • Steady hours, and still nothing set aside.
  • The credit union could not help this time.
  • Borrowing from friends feels heavy.

How it works

Three layers between you and a decision

How an online loan request works here, from the form to the final choice.

  1. 01

    Send one encrypted request

    The amount you need, how to reach you and a few income questions. It takes a few minutes on a phone.

  2. 02

    Lenders may review it

    Your request goes to lenders and lending partners. Each one decides on its own, by its own rules.

  3. 03

    Look over any offer, then choose

    The rate, fees and payment dates are shown first. Accept, or let it go. If approved, money can arrive as soon as the next business day.

ShaleGate is not a lender, and sending a request is always free.

Worth knowing

Five things to know before you borrow

Short and plain, so the terms never catch you off guard.

  • We don't lend.

    ShaleGate hands your request to lenders. They make the call and set the terms.

  • Costs differ, and some run high.

    Short-term loan APRs can top 200%. Check the full cost before you say yes.

  • Lenders may check credit.

    A lender may look at your credit report as part of its own review.

  • Low scores can still ask.

    Every credit type can send a request. Approval and the amount are never promised.

  • You see the terms first.

    The APR, fees and due dates come before any signature. Walking away is free.

FAQ

Clear answers before you send anything

Still wondering about something? Email info@shalegate.com.

Is ShaleGate the lender?

No. ShaleGate is a free referral service. Your request goes to lenders and lending partners, and the lender alone decides and sets the terms.

Will a lender look at my credit?

Sending a request is free and does not sign you up for anything. A lender may run its own credit check as part of considering your request.

How quickly could the money arrive?

If a lender approves you and you accept, the money can arrive as soon as the next business day. That depends on the lender and your bank.

Can I ask with a poor credit history?

Yes, every credit type can ask. Lenders also weigh income and other details. Nobody can promise approval or a set amount.

Why do some requests get turned down?

Typical reasons are income a lender cannot confirm, no open checking account, being under 18, living in a state the lender does not cover, or details that do not match.

How much will a short-term loan cost me?

It depends on the lender, the amount and your state. APRs on short-term loans can run high and may top 200%. The lender shows the APR, fees and payment dates before you agree, and you can say no.

Whenever you're ready

A clear way through to payday.

One free request for $100 to $5,000. Lenders may review it, and you sign nothing unless you choose an offer.

Start my request