90 Second Loans

90 Second Loans operates as an online loan marketplace, not a direct lender. Its primary business is to provide a free service that connects potential borrowers with lenders who may offer them a personal loan of up to $5,000. The company focuses on speed and accessibility, allowing users to submit a single online form which is then shared with its network of lenders to find a potential match, even for those with poor credit history. The company itself does not make credit decisions, set loan terms, or fund loans.