Step 1
Tell us what you need
Choose an amount from $50 to $5,000 and answer a short questionnaire: contact details, income and employment basics. The whole thing takes a few minutes.
A few minutes
Choosing an amount
The process
How Plucky Money works
Plucky Money is a comparison service, not a lender. Here's exactly what happens, from the moment you open the app to the moment you decide on an offer.
Choosing an amount
Step 2
Review and consent
Before anything is sent anywhere, you see a plain-language summary: what data will be shared, with whom and why. Nothing leaves your phone until you explicitly agree.
Nothing is shared without your OK
Reviewing what's shared
Step 3
Lenders review your request
Your request is securely shared with independent lenders in our network. Each lender decides on its own whether to make you an offer.
Lenders reviewing your request
Step 4
Compare your options
If one or more lenders accept your request, you see their offers side by side: amount, APR, repayment term and total cost. If no lender has an offer this time, the app tells you that too.
Comparing offers
Step 5
You decide
Accepting an offer is always optional. If you go ahead, you finalize the agreement directly with the lender. If not, you walk away. No fee, no obligation.
No fee, no obligation
Moving forward with a lender
Step 6
Repay the lender
Any loan you take is between you and the lender. Payments, due dates and questions about your balance go to the lender. Plucky Money is never part of the repayment.
Outside the app
Who handles what
We connect. Lenders decide. Here's where our part ends.
| Task |
Plucky Money
Us
|
Your lender Lender |
|---|---|---|
| Taking your request | Yes | No |
| Asking for your consent | Yes | No |
| Sharing your request with lenders | Yes | No |
| Deciding whether to make an offer | No | Yes |
| Setting rate, fees and term | No | Yes |
| Signing the loan agreement | No | Yes |
| Collecting payments | No | Yes |
| Your cost | $0 | As stated in the offer |
Plucky Money is free for you: our lending partners pay us. How we make money
$50–$5,000
Loan amount
4%–35.99%
APR range
70 days–36 months
Repayment term
Submitting a request does not guarantee that any lender will make an offer, or that you will be approved. See our APR Disclosure for a representative example.
Ready to see your options?
Download Plucky Money and send your first request in a few minutes. No fee, no obligation.
Download on the App Store