Questions We Are Actually Asked

No. Kapitus Funding is a free comparison and referral service. We transmit your Kapitus funding request to licensed lending partners who make their own credit decisions and set their own rates and terms. We never underwrite, never fund, and never hold your loan.

Nothing. Submitting a Kapitus funding request is free. Participating lending partners compensate us when a Kapitus funding request is transmitted or funded, which is how the service stays free at the point of use. You will never be billed by us for anything.

Partners pay us for transmitted or funded requests, and that compensation may influence which partners appear and in what order. It never changes the rate or terms a partner offers you — those are set by the partner's own underwriting of your file.

The service is available to United States residents, but individual lending partners are licensed in particular states and some products are restricted or prohibited in certain states. That means the offers available to you depend partly on where you live.

Kapitus operates only through this website. If you are contacted by anyone using a similar name and asking for an upfront payment, that is not us and it is not a legitimate lender. Verify any lender through your state's licence register before sending anything.

Between $500 and $5,000. What any individual partner is prepared to offer depends on your credit profile, income, existing obligations and state of residence.

You must be at least 18 or the age of majority in your state, a United States resident with valid government-issued identification, have regular verifiable income, hold an active checking account in your own name, and have a working phone number and email address.

There is no universal minimum. Partners in the network underwrite across a wide band and some weight recent income stability more heavily than score alone. Stronger files receive better pricing; weaker files may receive an offer at a higher rate or a smaller amount, or none at all.

Yes. Expect to document income more thoroughly — twelve months of bank statements, a filed tax return, or platform earnings summaries. State a conservative monthly average rather than your best month, because verification will check.

Regular verifiable benefit income is accepted by some partners. As with any income source, what matters to an underwriter is that it recurs predictably and can be evidenced.

Requests submitted here are individual. Where a partner offers a joint product, that is arranged directly with the partner. Remember that a co-applicant is liable for the entire balance, not half of it.

The request itself does not place a hard inquiry on your credit reports. Partners typically begin with a soft pull, which is invisible to scoring models. A partner you choose to proceed with will usually run a hard inquiry before final approval.

Usually a small, temporary number of points, and its influence fades within about a year. What does more damage is a cluster of hard inquiries across several weeks, which is exactly what a single multi-partner request avoids.

Expect a small initial dip from the inquiry and the reduction in average account age. Over following months, on-time payments build positive history, and adding an instalment account to a file containing only revolving credit can improve your credit mix.

Dispute it before applying. You are entitled to free reports from the nationwide bureaus, and errors significant enough to affect pricing are more common than people assume. A successful dispute can move a quoted rate more than months of good behaviour.

Yes. A security freeze prevents lenders from pulling your file, which means no partner can evaluate the Kapitus funding request. Lift the freeze before submitting and reinstate it afterwards.

We cannot tell you, because we do not set rates. Pricing is determined by the lending partner based on your credit profile, income, requested amount, term and state. Any rate figure on this site is illustrative and labelled as such.

The interest rate is the cost of borrowing the principal. The annual percentage rate folds in any origination fee as well, which makes APR the only rate figure genuinely comparable between offers.

Some partners charge one, typically deducted from the amount disbursed rather than billed separately. If a fee applies and you need a specific sum to land in your account, adjust the requested amount upward before accepting.

Terms vary by partner and by state, and commonly run from around three months to thirty-six months in this amount range. A longer term lowers the monthly payment and raises the total cost.

Most partners permit it and many charge nothing. Because interest accrues on the outstanding balance, paying ahead reduces what you owe overall. A minority of agreements include a prepayment charge, so confirm before signing.

Neither on its own. Compare on total repaid — the monthly payment multiplied by the number of months — and use the monthly payment as a feasibility check against your leanest month.

Timing is set by the lending partner and your bank. One to three business days after final approval is common. Requests completed early on a weekday typically move faster than those submitted late on a Friday.

Most delays come from verification rather than underwriting — mismatched personal details, an unanswered phone, or documents not yet supplied. Responding the same day is the largest factor within your control.

The lending partner that funded your loan. Kapitus Funding never collects payments and has no access to your loan account.

A late fee generally applies and the missed payment may be reported to credit bureaus, which can harm your score. Contact the partner before the due date rather than after — hardship options are far more available to someone who calls early.

The lending partner. Statements, due dates, payoff quotes, hardship arrangements and credit reporting are all theirs. Kapitus servicing enquiries sent to us can only be redirected, not resolved.

Three tests. No legitimate lender asks for payment before releasing funds. No legitimate lender guarantees approval regardless of credit. And any real offer survives being read overnight — manufactured urgency exists to prevent comparison.

No. It is a scam, without exception. Fees on genuine loans are disclosed in the agreement and deducted from the disbursement. Never send gift cards, wire transfers or prepaid cards to obtain a loan.

It is transmitted to participating lending partners so they can evaluate your Kapitus funding request. Our privacy policy sets out what is collected, who receives it, and the choices available to you including opt-outs.

Yes, if multiple partners respond. That is how offers are delivered. Expect calls and emails in the first day or so after submitting.

Your state banking or financial regulation department publishes a searchable register of licensed consumer lenders. Checking a name takes a few minutes and rules out an entire category of fraud.

Only if you have compared it. Offers arrive over hours rather than minutes, so waiting until the responses have come in costs nothing and frequently reveals a meaningful spread.

Convert everything to total repaid: monthly payment multiplied by number of months. Then check what actually lands in your account after any origination fee. Those two figures make any two offers directly comparable.

If the need is not urgent, often yes. Reducing revolving utilisation before your statement closes and disputing report errors can both move pricing within one or two cycles.

Proceeds from an unsecured personal loan are generally unrestricted, though you are asked the purpose because it helps partners assess the Kapitus funding request. Some partners restrict certain uses, which would be stated in the agreement.

Nothing happens. You are not committed at any point before signing an agreement, and there is no cost for declining every offer you receive.