Step 1
Pick your amount
Choose anything from $50 to $5,000 and answer a few quick questions about you and your income.
One request. Offers from multiple lenders.
Tell Plucky Money how much you need, and we'll connect you with independent lenders who may have an offer for you. Compare the terms and move forward only if one fits.
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Secure
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No obligation
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Multiple lenders
Plucky Money is not a lender and does not make credit decisions. Submitting a request does not guarantee an offer or approval.
$50–$5,000
Loan amount
4%–35.99%
APR range
70 days–36 months
Repayment term
Representative example: a $2,000 loan repaid over 12 months at 24.00% APR would cost about $189.12 per month, for a total of $2,269.44. This is an illustration, not an offer. Your actual rate and terms depend on the lender. See our APR Disclosure.
Three steps. You call every shot.
Everything happens in the app, and nothing is shared until you say so.
Step 2
We find lenders
With your consent, we securely pass your request to independent lenders who may want to work with you.
Step 3
Compare and decide
See each offer's rate, term and total cost. Accept the one that fits, or walk away.
Built around your control.
Plucky Money connects. Lenders decide. You choose.
Know before you borrow
Six short guides on APR, credit scores and loan types, right in the app.
Free to use
No fees to request or compare offers. Our lending partners pay us, not you.
No obligation
Walk away if none of the offers fits. Nothing is signed until you decide.
Multiple lenders
One request reaches several independent lenders, so you skip a dozen forms.
Your data, your call
Encrypted and shared only with the lenders you agree to on screen.
Run the numbers first.
Estimate a monthly payment before you apply. It's free and doesn't touch your credit.
Monthly payment
$0.00
Total repayment
$0.00
Cost of borrowing
$0.00
For illustration only. This is not an offer or a quote. Actual rates and terms are set by the lender after reviewing your request.
We connect. Lenders decide.
Here's exactly where our part ends and the lender's begins.
What we do
Plucky Money is a comparison and connection service operated by PLUCKY MONEY LLC. We take your request, share it with independent lenders only after you agree, and show you the options that come back. It's free for you: our lending partners pay us.
What we never do
We don't issue loans, make credit decisions, set rates or terms, or collect payments. We never call ourselves a lender, and we'll never ask you for a fee to be connected with one.
Your data, on a need-to-know basis.
Only the lenders you're matched with ever see your request, and only after you agree to it on screen.
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Encrypted in transit
Your request travels over HTTPS. Sensitive details never end up in page URLs.
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Shared only with consent
Before anything is sent, you see what's shared, with whom and why.
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You stay in control
Ask us to access, correct or delete your data at any time, and opt out of the sale or sharing of your personal information.
Read the details in our Privacy Policy and Do Not Sell or Share page.
Questions, answered.
Can't find yours? Write to contact@pluckymoney.com or visit Support.
See all questionsNo. Plucky Money is a loan-comparison service operated by PLUCKY MONEY LLC. We connect you with independent lenders. Every offer, rate and term comes from the lender, never from us.
No, it's free for you. Our lending partners pay us when we connect them with customers, and that compensation may affect which offers you see and in what order.
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.
No. Approval is entirely up to the lenders who review your request. Submitting one doesn't guarantee an offer, approval or any particular rate or term.
Borrow smarter, not harder.
Get Plucky Money on the App Store and see what lenders may offer you, in a few minutes.
Download on the App Store
