Nex-day Funding. 4 Simple Questions. That simple!

Check Your Rate. Get Your Approval and Receive Your Funds. Won't Affect Your Credit Score.

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Choose between Personal and Business and Check Your Rate.

Personal Loan

Consolidate Debt and More

Business Loan

Secure Business Loan

Funding Simplified

1. Check Your Rate

Answer a Few Quick Questions - It Only Takes 3 minutes.

2. See If You're Approved

Get Instant Approval Results.

2. Receive Your Funds

Most Loans are Funded The Next Business Day!

Let Us Answer Your Questions

Got questions? Here are answers to common queries before starting your loan journey with us.

What is a personal loan?

An unsecured personal loan is money you borrow from a lender that does not require collateral, such as a house or car. The loan is repaid over a set period of time.

Most loans through GuardianCore Lending are unsecured. However, some credit unions may require a lien on other accounts you hold with them. In certain cases, you may also have the option to secure your loan with a vehicle, which would place a lien on that vehicle.

Always review your promissory note carefully to understand all terms and conditions before accepting your loan.

What’s the Difference Between an Interest Rate and an APR?

The interest rate represents only one part of the total cost of a loan. To understand the full expense, you should look at the APR (Annual Percentage Rate).

The APR includes both the interest rate and any additional fees, such as origination charges. When comparing loan options, focusing on the APR provides a more accurate picture of which loan is more cost-effective.

Can I Pay Off My Loan Early Without Extra Fees?

Yes. You can pay off your loan early with no penalties.

Whether you make partial payments or pay off the full balance, there are no prepayment fees. Paying your loan off early may also reduce the total interest you pay since the loan will be outstanding for a shorter period.

How Long Will It Take to Get My Money?

Most personal loans are funded the next business day if you accept the loan terms before 5:00 PM ET, Monday through Friday (excluding holidays).

If you accept the terms after 5:00 PM ET, on weekends, or on holidays, funding will occur on the next business day.

Will It Affect My Credit Score?

Checking your rate with GuardianCore Lending does not affect your credit score.

A rate check involves a soft credit inquiry, which appears on your credit report but does not lower your score. If you choose to move forward and submit a full loan application, a hard credit inquiry will be performed to verify your information. This inquiry will be recorded on your credit report and may impact your credit score.

Is Guardian Core Lending for You?

Discover Now. Wont Affect Your Credit Score.