ElmOvra Referral service · not a lender
An avenue of tall old elm trees in soft morning mist with dappled light behind the ElmOvra loan request form, $100 – $5,000

Personal loans for unexpected costsAll credit types considered

$100 – $5,000No upfront fees

Check your loan options

$100 – $5,000 · funds as soon as the next business day, if approved

256-bit SSL · Checking your options won't affect your credit score · Free to use

  • SSL encrypted
  • No upfront fees
  • Soft credit inquiry
  • Terms before you sign

An unexpected cost on an ordinary week.

ElmOvra is not a lender. One request for $100 – $5,000 goes to a network of lenders. Checking your options won't affect your credit score.

Tick any that apply

Ordinary week, unusual bill.

One request for $100 – $5,000 to lenders in our network. Some lenders fund as soon as the next business day, if approved.

Review my options

Plain answers

What we do, and what we never do

ElmOvra does

  • Send your request to lenders in our network
  • Protect it with 256-bit SSL encryption
  • Stay free to use, with no fee to submit
  • Leave every decision to you

ElmOvra never

  • Lends money or sets rates
  • Charges you to see an offer
  • Promises approval or a set amount
  • Rushes you to sign

How it works

How ElmOvra works

Your part is short. The reading part is yours to take slowly.

  1. 1

    Fill in one request

    Amount, contact details, a few income questions. A few minutes on your phone.

  2. 2

    Lenders review it

    Your request reaches lenders in our network. Each decides on its own terms.

  3. 3

    Read, then decide

    Any offer shows its APR, fees and due dates first. Accept it, or walk away.

Elm leaves in dappled morning light, the ElmOvra view of personal loans for unexpected costs, $100 – $5,000

Personal loans for unexpected costs

A long walk under the elms.

Lenders in our network show APR, fees and dates first.

Spot a scam

How to tell a legit online loan from a scam

  • A fee before fundingReal lenders take costs from the loan or the schedule, never up front.
  • No APR in writingEvery legitimate offer shows its APR and total cost.
  • Pressure to decide nowA real offer will still be there after you read it.
  • No license in your stateCheck the lender with your state's financial regulator.
  • Payment by gift card or wireNo lender asks for this. Stop and walk away.

Questions

Personal loans for unexpected costs, answered

Does ElmOvra lend money?

No. ElmOvra is a referral service, not a lender. We pass your request to lenders in our network, and any offer comes from the lender, on the lender's terms.

How much can I borrow?

Anything from $100 to $5,000. A lender may offer a different amount after its own review.

Does sending a request affect my credit score?

No. Checking your options won't affect your credit score. A lender may run its own credit check as part of considering your request.

When would the money land?

That depends on the lender and your bank. Some lenders fund as soon as the next business day, if approved. Any offer shows its timing before you agree.

What will the form ask for?

You need to be 18 or older and a US resident, with regular income, an active checking account in your name, and a phone number and email you use.

Do lenders consider low credit scores?

Lenders in our network consider all credit types. A lower score can mean fewer offers or different terms, and approval is never certain, but it does not stop you from sending a request.

Take the calm route.

$100 – $5,000 through a network of lenders. Free, and nothing to sign until you choose.

Check my options