Frequently Asked Questions
Last updated: 2026-08-29
Does every state have a desk?
No. The Lending Policy page lists where this is currently offered.
Does filing touch my credit?
The file itself does not. A lender who opens it may check your credit before they write terms.
Does Garnetwave lend money?
No. Garnetwave is not a lender. We file your request with lenders in our network. The loan itself, if any, comes from the desk that answers.
Is there a charge to open a file?
No. Charges attached to an offer you accept are the lender's, and they appear before you agree.
What size request can I file?
$100 through $5000. Whether a lender will write an offer in that band is their decision.