✓ Filing is free. Walking away is free.
By submitting you agree to be contacted by lenders in our network and to our Privacy Policy, Terms and E-Consent. Garnetwave is not a lender.
Garnetwave hands the file to lenders in our network. If a desk replies, you read their terms, not ours.
The box is the window. Eligibility is asked there, on the first pass.
The request file opens with the amount. That is the first line.
The remaining fields are eligibility, asked here in the same box. No waiting on a callback to start.
Desks in our network that cover your state can open it. They may review credit if they want the work.
Study the terms. Keep the offer, ask a question, or close the file. Either way, the filing fee is still zero.
The file asks for these in the box. Clearing them is not a guarantee. Each lender in our network reads the file on its own.
A single file. Lenders who want the work can open it.
You fill one request instead of starting a new application at every desk.
APR and payoff dates are written by the lender who answers, and shown before you sign.
Opening a file costs nothing, and closing it later costs nothing.
The same file can land with several lenders in our network, not just the first name you found.
This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where Garnetwave does not have an available lender, you will not be connected to a lender. Our Lending Policy has current state availability. Rates & Fees explains how rates and terms actually work once you are matched with a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender's rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. Garnetwave is not a lender and does not make loan or credit decisions. Garnetwave connects interested persons with a lender from its network of approved lenders. Garnetwave does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. Garnetwave may receive compensation from lenders in its network. See our Advertising Disclosure. Garnetwave's service is always free to you. Submitting a request is not a guarantee of being matched or approved.
By submitting your information via this website, you are authorizing Garnetwave and lenders in its network to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize Garnetwave to share your information and credit history with a network of approved lenders. See Credit Authorization.
Lender's Disclosure of Terms. The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender's internal policies, underwriting criteria and applicable law. Garnetwave has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.