Deal me in

Lay your cards down

Ask for $100 to $5,000 · approved borrowers may be funded by the next business day

Secured with TLS · Zero cost to ask · Not a lender

A referral service that shows its hand

Short before payday? No point pretending you're not.

Everyone runs thin sometimes. Send WalletBluff one request and lenders we partner with decide whether to make you an offer, with the full price written out.

We would rather tell you the odds than sell you a story.

Deal me in

What we will tell you, and what we won't claim

We sayWe will never say
A lender may approve you.Approval is a sure thing.
Lenders may look at your credit.Your credit history plays no part.
Some lenders fund the next business day.The cash will be there within the hour.
APRs on these loans can top 200%.This is cheap money.
A few states are not covered.Anyone, anywhere can use it.

How a hand plays out

  1. You show what you need

    An amount, your income type and a way to reach you. Nothing to download and no account to set up.

  2. Lenders look at the cards

    Partner lenders review the request under their own rules. Plenty pass. Sometimes one makes an offer.

  3. You call or fold

    Read the APR, the fees and the payment dates. Fold and it costs you nothing; call and the lender handles the rest.

Honest answers to fair questions

Is WalletBluff the one lending?

No. WalletBluff only refers. If you borrow, it is from an outside lender under that lender's agreement, and WalletBluff is not a party to it.

What's the smallest and largest request?

From $100 up to $5,000. Lenders are free to offer a smaller figure than the one you picked.

Will a lender look at my credit?

It may. Lenders can check credit through the big bureaus or specialty ones while deciding, and they tell you how before you sign.

If I'm approved, when does money land?

Each lender and bank works on its own clock. Some fund on the next business day; the offer states the date.

Who can send a request?

US residents aged 18 or older in a covered state, with regular income, a checking account and a working phone and email.

Do you charge me anything?

Not a cent. Lenders pay WalletBluff for introductions. The lender's own rates and fees are listed in the offer for you to judge.