Guide to Lenders does not offer loans themselves. Instead, they advertise short-term personal loans from direct lenders for as much as $40,000, and as little as $1,000 for those with poor credit scores. The way it works is prospective borrowers are categorized according to their credit scores. Those with excellent credit scores (720+) are eligible for the maximum loanable amount of $40,000, and are also the best candidates for the lowest interest rates. Applying for a loan takes as little as a few minutes. If you quality, you can get loan proposals, choose the best personal loan offer, and then get the money by the following banking day. Guide to Lenders fast tracks your personal loan application and lets you enjoy the most competitive interest rates.

Guide to Lenders requires applicants to be U.S. citizens and takes their personal income into account when looking up loan offers. Because they do not extend loan offers themselves, any other requirement or limitations to applying for a loan depend on the independent lender a customer chooses.

Guide to Lenders features loan offers from direct lenders in the 4.99 to 35.99% range. The kind of fees or penalties they may have to pay will vary form lender to lender, since Guide to Lenders only facilitates communication between both parties (lender and borrower).

Guide to Lenders was founded in 2005, and is not accredited with the BBB. Although their rating there is an F, this is only the result of 2 customer complaints not being answered: one without any explanation whatsoever, and the other a customer who got confused while looking for another page. Their Trustpilot score is an average 6.4.