FAQ
Frequently asked questions
Straight answers about how Plucky Money works, what it costs (nothing) and what to expect.
The basics
No. Plucky Money is a loan-comparison and connection service operated by PLUCKY MONEY LLC. We pass your request, with your consent, to independent third-party lenders. Any offer, rate or term you see comes from a lender, never from us.
Nothing. Plucky Money is free for consumers. We're paid by the lenders and partners in our network. See How we make money.
Plucky Money is available to U.S. residents aged 18 or older. Lender availability and product terms can vary by state.
Amounts & approval
Requests in our network range from $50 to $5,000. The amount a lender actually offers depends on its review of your request.
Across our network, APRs range from 4% to 35.99%, with repayment terms from 70 days to 36 months. Your exact terms come from the lender. See our APR Disclosure for a representative example.
No. Each lender decides on its own. Submitting a request doesn't guarantee an offer, approval or any particular rate or term, and you should be skeptical of any service that promises otherwise.
Plucky Money never checks your credit, so submitting a request doesn't affect your score on its own. Lenders that receive your request may check your credit as part of their review. Many start with a soft check, which doesn't affect your score. A hard check, which can, usually happens only if you move forward with a lender. See our Credit Authorization.
After you apply
You finalize the agreement directly with the lender: review the contract, sign electronically and receive funds on the lender's timeline. From then on, the loan is between you and the lender, including all payments. See How it works.
Privacy & support
Your request is sent over HTTPS and shared only with lenders who may offer you a product, and only after you agree on screen. Full details are in our Privacy Policy, and you can opt out of the sale or sharing of your data on our Do Not Sell or Share page.
Email contact@pluckymoney.com or use the form on our Support page. For access, correction or deletion of your personal data, choose “Privacy request” as the topic and we'll route it accordingly.
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