How it works
One request reaches lenders in our network, so you don't have to fill out a separate application for each one. Here's what happens at every step.
Send one request
Tell us how much you need, your income and your bank account. It takes about five minutes.
See if a lender responds
Lenders in our network review your request. If one can lend to you, you see its offer and the full cost.
Sign and get funded
Read the agreement and sign online if it works for you. Lenders usually deposit funds as soon as the next business day.
What you'll need
- A Kentucky address and a government-issued photo ID
- Your Social Security number, used by lenders to verify identity
- Your income and how often you're paid
- A checking account in your name, with its routing and account numbers
- A phone number and email address you check
How fast is funding?
After you sign, most lenders send the money by ACH transfer, which reaches your account the next business day. Some lenders fund the same day when you sign early on a business day. Weekends and bank holidays add time.
What happens to your information
We share your request only with lenders and service providers that need it to review your request, and we protect it with encryption in transit. Details are in our privacy policy.
How we make money
We're paid by lenders and partners when we pass along a request. You never pay us anything. Lenders don't pay us to show you a better or worse offer, and we don't decide whether you're approved.
Cumberland Finance is not a lender and does not make credit decisions. If a lender makes you an offer, the amount, fee, APR and repayment terms come from that lender and appear in the loan agreement before you sign.
Ready to send a request?
One short online request. Sending it is free, and you are never obliged to accept an offer.