Everything you need to know about applying, matching, and funding — all in one place.
OrangeArrowLoan is a free online connection service that links consumers with a nationwide network of participating US lenders. We are not a lender — we simply transmit your request and match you with lenders whose criteria you may satisfy.
No. We do not make credit decisions, set rates or terms, or fund loans. All loan offers and their terms come directly from the individual lenders in our network.
We currently serve residents of: Alabama, Arizona, Delaware, Florida, Georgia, Kansas, Mississippi, Missouri, Nevada, South Carolina, Tennessee, Texas, Utah, and Wisconsin. Availability may change — check our application form for the current list.
Loan amounts typically range from $500 up to $5,000, depending on the lender and your qualifications. The amount you request in our form helps us match you with the right lenders.
Our form takes about 3 minutes to complete. After you submit, real-time matching with our lender network usually returns a decision in under 60 seconds.
You'll need your name, contact information, address, date of birth, Social Security Number, driver's license number, employment and income details, and bank account information for direct deposit.
Most lenders can fund within one business day of approval. Some may fund the same day, depending on your bank's deposit schedule and the time of day you're approved.
No. Submitting a request is free and non-binding. You are under no obligation to accept any offer presented to you.
No. Our initial request uses a soft credit inquiry, which does not impact your credit score. If you accept a lender's offer, that lender may perform a hard credit pull, which may slightly affect your score.
You may still qualify. Our network includes lenders who specialize in serving borrowers with less-than-perfect credit. Final approval depends on each lender's individual criteria.
General requirements include: 18 years or older, US citizen or legal resident, regular source of income, active bank account, valid email and phone number, and residence in one of our covered states. Individual lenders may have additional criteria.
Common reasons include: state eligibility, income below lender thresholds, credit profile, existing debt obligations, or inability to verify your identity or bank information. You are welcome to re-apply if your situation changes.
No. Using OrangeArrowLoan is completely free to consumers. We do not charge application fees, origination fees, or any other fees. If a third party asks you to pay an upfront fee for a loan, do not pay it — this is a red flag for fraud.
APR and terms vary by lender, your credit profile, your state, and the loan amount. APRs may range from approximately 5.99% to 35.99%, with terms of 3 to 36 months. Always review the lender's full terms before accepting an offer.
Some lenders permit prepayment without penalty; others do not. Review the specific lender's agreement carefully before signing.
Yes. We use 256-bit SSL/TLS encryption to protect data transmitted through our site, along with access controls and secure storage. See our Privacy Policy for full details.
Lenders need your SSN to verify your identity, pull your credit report (with a soft inquiry at first), and comply with federal anti-fraud and anti-money-laundering laws. We transmit this information securely to participating lenders for these purposes only.
We share your information with participating lenders and financial partners strictly to process your loan request, as described in our Privacy Policy. We do not sell your information to unrelated third parties for their own marketing purposes outside of the loan-matching context.
For SMS, reply STOP to any message. For email, click the unsubscribe link at the bottom of any email. You can also email support@orangearrowloan.com. Note: you may still receive transactional messages related to an active application.
Still have questions? We're here to help.
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