Quick Easy Loans

Simplified Instant Loans

APR can range between 4.95% to 35.99% APR for qualified customers (**).

  • Zero up front fees or costs
  • All FICO scores welcome
  • Find out if you're approved on average within 60 seconds (*)

Instant Loan

How to get a loan

Here at Modo we can connect you with 1 of 100+ lenders in our network through one single form, and in within a matter of minutes. We will find you a trusted authorized lender to suit your needs.

Get a loan quote Am I eligible?
all FICO credit scores are welcome
Complete our easy online request

It only takes minutes to complete, and all FICO credit scores are welcome.

Get a fast decision after submitting your application
Get a fast decision after submitting your application

If you are connected with a lender, you will receive an offer from that lender with the terms and conditions of the loan.

Sign the paperwork and receive your funds
Sign the paperwork and receive your funds

Most of our panel can fund you either same day or next business day.

Just a click away

Get a fast quote

APR can range between 4.95% to 35.99% APR.

Why Use Modo

It couldn't be an easier decision

No fees, no obligation, no worries

No fees
No fees

Our services will always be provided free of charge.

No paperwork
No paperwork

Complete your loan request in just a few moments.

No obligation
No obligation

Get a quote in just a few clicks with no obligation.

All FICO scores welcome
All FICO scores welcome

Save on multiple credit searches that negatively impact your FICO score.

Quick transfer
Quick transfer

Once approved, receive your funds either same day or next business day.

Flexible terms
Flexible terms

Borrow for up to 24 months and repay with easy monthly installments.

Need Help?

Frequently Asked Questions

Modo Loan is a loan introduction service which attempts to match your application details with a lender willing to lend to you. This service is FREE to the customer applying. We may receive a commission from the lender for any customer introductions.
A personal loan is a fixed term loan that can be used for a variety of purposes such as home improvements or vehicle repairs. The terms vary from 3 months to 4 years. Rather than repaying this type of loan in one single installment, they are typically repaid over a set number of monthly installments.
This amount depends on the lender who issues the loan, but typically amounts range from $250 to $3000.

Consider your options

Important Information

APR Disclosure & Range

Modo is not a lender – as such, we do not have control over the final APR you will be offered. We display a Representative APR only as it is based on data offered from the multiple lenders we work with. Qualified consumers can get a loan with APR Rates generally ranging from 4.95% min to 35.99% max and a loan repayment period of 61 days minimum, and a 48 month maximum. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender or lending partner. Although some providers offer rates from 4.95% up to 35.99% APR rates that low are only available to certain customers.

The following table represents sample rates, is for informational purposes only, and may not reflect the actual APRs offered by your lender and/or lending partner. The repayment terms are for close end loan products, and is not reflective of all loan products offered in our network.

Loan Amount$1,000$2,000$5,000$10,000
Interest Rate24%19%13%8%
Loan Term12 Months24 Months48 Months60 Months
Fee Cost$30$100$400$1,000
Total Payments$1,134.74$2,419.68$6,320.12$12,136.80
Total Costs$164.72$519.68$1,720.12$3,136.80
Representative Example (Qualified Customers) (**)

If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR.

Legal Disclaimer: Modo connects borrowers with lenders or lending partners and thus the specific terms and conditions of the specific lender or lending partner will apply to any loan a borrower takes out. We are compensated by these lenders or lending partners for connecting you with them, and the compensation received may affect which offer you are presented with. Any display of APR, loan amounts, interest or other loan details are estimations only, and actual amounts will vary by lender or lending partner and by borrower. Please note that some lenders or lending partners may perform credit checks as part of their credit transaction approval process. The lender or lending partner you connect with may not offer the best possible terms and borrowers should always compare all available options before making any decisions. In addition, you may be connected with a tribal lender. Tribal lenders’ rates and fees may be higher than state-licensed lenders, and are subject to federal and tribal laws, not state laws. THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS, they do not broker loans and they do not make loans or credit decisions. Nothing on this website is an offer or a solicitation to lend. Any information you submit to this site will be provided to a lender or lending partner. The operator of this website is not an agent, representative or broker of any lender or lending partner and does not endorse or charge you for any service or product.

Availability: Every state has its own set of rules and regulations that govern personal loan lenders. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender or lending partner.

Material Disclosure: The operator of this website is not a lender, loan broker or agent for any lender or loan broker. This website is not an offer of credit nor is it a solicitation to lend. We are not affiliated with any lender. We are an advertising referral service for lenders that may be able to offer loans in amounts between $250 and $3000. There is no fee to use our services. Your loan request submitted on this website will be shared with one or more lenders. There is no guarantee that you will be connected with a lender, your loan request will be approved by a lender, or you will be offered the loan amount requested. Lenders may perform a credit check to determine your creditworthiness or verify your information. Any compensation we receive is paid by lenders and other advertising partners, and only for advertising services provided. Short-term, small-dollar loans should not be used as a long-term solution to financial hardship.