Borrow with every number on the table.
Challenge Associates brings offers from participating lenders into one place and shows the APR, term and total cost of each before you decide. We’re not a lender, and using us is free.
Estimate uses a 24.00% APR for illustration only. Your actual rate, payment and terms are set by the lender and depend on your credit profile, income and state.
What people come to us for
Everyday situations where comparing offers makes a real difference.
Car repair
Get back on the road knowing the real cost.
Medical bills
Spread a large bill into payments you can plan for.
Rent gaps
Cover a gap between rent day and payday.
Debt consolidation
Turn several balances into one payment.
Emergencies
Handle the unexpected without guessing.
How it works
One short request, all online. You stay in control at every step.
Choose an amount
From $250 to $5,000.
Tell us what it’s for
Car repair, medical bills, everyday expenses and more.
Add your details
Shared with lenders only after you agree.
Review your offers
APR, amount, term and total cost on each.
Decide with the lender
Apply only if you want to. No obligation.
Rates and terms, up front
These ranges cover offers from our participating lenders. Your exact terms depend on the lender, your state and your profile.
Representative example Illustrative
- Loan amount
- $1,000
- APR
- 24.00%
- Repayment term
- 12 months
- Monthly payment
- $94.56
- Total cost of credit
- $134.72
- Total repayment
- $1,134.72
APR is the yearly cost of a loan, including interest and lender fees. Not all applicants will qualify, and terms are not available in all states.
The whole service, in your pocket
The Challenge Associates app is the easiest way to use our service: compare offers, keep track of your loans and manage your data in one place.
- Compare offers with APR, term and total cost on each
- Track loans, payments and due dates
- Update or delete your data anytime
Free for you. Paid by lenders.
Here is exactly where our money comes from.
Pay us $0
No fees, no subscription, no premium tier. Never pay anyone upfront to “guarantee” a loan.
Pay us for referrals
Participating lenders pay us when we connect them with you.
Is set by the lender
We never mark it up. Compensation may affect which lenders you see, never the terms they offer.
Your data, protected
Your information is used for one thing: helping you get loan offers.
Encrypted in transit
Sensitive details travel only over encrypted connections.
Shared with your consent
Your request goes to participating lenders only when you submit it and agree.
Opt out anytime
Opt out of the sale or sharing of your information. Do Not Sell or Share
Yours to delete
Ask us to delete your data at any time, or do it in the app.
Borrowing responsibly
A loan can help with a short-term need. Check three things before you accept one.
Borrow only what you can repay
Make sure the monthly payment fits your budget, even in a tight month.
Compare the total cost
A lower monthly payment over a longer term can cost more overall.
Read the lender’s agreement
Fees, due dates and late-payment terms are set by the lender. Check them before you sign.
Questions, answered
More in our Help center, or contact our team.
Is Challenge Associates a lender?
No. We are a loan matching service. We connect you with participating lenders from our network, and we never make the lending decision, fund the loan or collect payments.
Does checking my options affect my credit score?
No. Submitting a request through us does not affect your credit score. If you choose to apply with a lender, that lender may check your credit, which may affect your score.
How much does it cost to use Challenge Associates?
Nothing. Lenders pay us when we connect them with you. That never changes the rate or terms a lender offers you.
How much can I borrow, and at what rate?
Loan amounts range from $250 to $5,000, with repayment terms from 65 days to 36 months and APRs from 5.99% to 35.99%. No lender in our network requires full repayment within 60 days. The exact rate is set by the lender you choose.
How fast can I get funded?
Typically one to three business days after you sign with your lender. Exact timing depends on the lender and your bank.