Compare with confidence

Right-Size Your Loan

Kindly tell us what you need funds for. We pass your request to lenders and lending partners in our network, and they contact you directly. There is no cost to you.

A short formNo cost to useA lender contacts you

What would the loan be for?

Select the closest option and we will make the introductions.

Kept secure

Your request travels over an encrypted connection to the partners who review it.

Quick to start

A short form asks what the loan is for and hands you straight to the next step.

One request

Fill it out once and reach multiple lenders and lending partners in our network.

No obligation

Nothing is binding until you review a lender's own terms and choose to sign.

How it works

Your part, and then the lender's

You state the purpose, we make the introduction, and a lender replies to you.

Name the purpose

Choose what the funds are for and leave a way for a lender to reach you. The form is free to complete.

We put it to our network

Lenders and lending partners in our network receive your request and consider it.

The lender comes to you directly

Every term is the lender's to set, and it follows its review of your application. You are under no obligation to accept.

Encrypted Any device Minutes

What it's for

The common purposes for a personal loan

Select whichever comes closest to your own. A personal loan may be put towards any purpose you choose.

Consolidating what is owed

Several balances settled into one payment, on one schedule, with an end date set at signing.

Improvements to the home

Repairs, replacements and renovation, without borrowing against the equity you hold in it.

A vehicle, or its repair

A repair that was not planned for, or a private purchase a dealer will not finance.

Questions

Common questions

Is Emissary Point a lender?

No. Emissary Point is a comparison and referral service. We don't lend money, we don't approve or deny applications, and we don't set rates or terms. We connect you with lenders and lending partners who do.

What rate will I get?

We can't tell you, and we won't pretend to. Rates and terms are set by the lender after they review your application, and they depend on your credit profile, your income, your state, the amount, and that lender's own criteria. Anyone quoting you a number before you apply is estimating.

What does it cost to use?

Nothing. We're paid by the lenders and partners in our network when we refer a customer. That's also why we can't claim to show you every lender in the market. We work with the ones we work with.

Am I obligated to take anything?

No. Nothing is binding until you review a lender's final terms and sign their loan agreement. You can walk away at any point before that.

What happens to my information?

We share what you submit with lenders and lending partners so they can evaluate your request and contact you. We don't sell it for purposes unrelated to your inquiry. The full detail is in our Privacy Policy.

Who will contact me?

Emissary Point, and the lenders or lending partners we connect you with. You can opt out of our marketing at any time through the unsubscribe link in any email, or by emailing optout@emissarypoint.com.

Important disclosures

Emissary Point · 333 W. Bethalto Drive # 104, Bethalto, Illinois 62010

Emissary Point is not a lender, bank, credit union, or loan broker and does not make credit decisions or issue loans. We operate a comparison and referral service that connects consumers with third-party lenders and lending partners. We do not guarantee that you will be approved, that you will receive any particular rate, term, or loan amount, or that any lender will contact you.

We do not quote rates, terms, payments, or loan amounts. Nothing on this site is an offer of credit, a pre-approval, or a commitment to lend. All terms are determined solely by the lender after it reviews and underwrites your application, and they vary by lender, by applicant, and by state. Not all products are available in all states, and some lenders charge origination or other fees.

Applying with a lender may involve a credit inquiry, which can affect your credit score; the lender will disclose this to you. Late or missed payments may result in additional fees and can negatively affect your credit. Consolidating debt into a longer-term loan may lower a monthly payment while increasing the total amount repaid over the life of the loan.

We are compensated by lenders and partners in our network when we refer a customer. This compensation may influence which products appear and the order in which they appear. We do not represent every lender or loan product available in the market. Emissary Point does not provide financial, legal, tax, or credit-repair advice; consider speaking with a qualified professional about your situation.