Simple Financing for Your Project
Get competitive rates within minutes. It will not impact your credit score.
Already Applied? Find Your Offers Here.
How It Works
With SimpleDirect, see personalized financing options from 10+ lending partners with no impacts on your credit score.
Applying
Apply in seconds on SimpleDirect
Rates
Compare your rates from multiple lending partners
Fund
Get funded as soon as tomorrow
Hear from Other Homeowners
Your project is important to us. Hear how we are making other homeowner's dreams come true.
Applied for loan and got immediate feedback via text and email about my lender options. Jordan from SimpleDirect was very professional and courteous.
The process was very easy to go through. The questions were easy to answer and the response time was quick. I got my loan very quickly.
SimpleDirect's team went above and beyond to help me with my concerns. They tracked down an offer for me and made me feel like I was important.
Why SimpleDirect is different from other providers
Where we do things differently: our streamlined process, immediate decisions, and personalized support sets us apart in the home improvement industry.
No Impact on Credit
Checking rates on SimpleDirect doesn’t affect your credit score.
Compare Multiple Options
Shop from 10+ different lending partners to find your best rate.
No Pre-Payment Penalties
Pay off the loan early anytime without any pre-payment penalties.
No Home Equity
Avoid using your home equity to fund your upcoming project.
Frequently Asked Questions
Here, we've gathered answers to the most common inquiries about SimpleDirect.
Does checking my rates affect my credit score?
No. When you check your rates on SimpleDirect, our lending partners perform a ‘soft’ inquiry which does not impact your credit score.
Can I pay back the loan without any penalties?
Yes, all of SimpleDirect's lending partners for personal loans have no pre-payment fees or pre-payment penalties. This means you can pay back your loan before the end of its term with no additional cost at all.
How fast can I receive the funding using SimpleDirect?
You can usually expect your funds in as little as 1-3 business days.
Can I borrow more or less of my project’s actual amount?
Absolutely, you have the flexibility to borrow more or less than your project's actual amount. SimpleDirect aims to provide you with financing options tailored to your specific needs which means you can borrow more or less of the project's actual cost.
My project starts late, can I borrow early / delay funding?
Absolutely, with SimpleDirect, you have the flexibility to plan your funding. When you pre-qualify, your offer remains valid for 30 days. If it expires, you can always recheck your rates. Moreover, you can select your loan's funding date, in some instances, up to 90 days in advance with select lending partners.
Disclaimer
This page provides general information about loan offers and should not be considered financial advice. Rates and terms shown here are not guarantees. SimpleDirect's lending partners offer APRs ranging typically from 5% to 35.99%, along with various loan terms and monthly payments.
For illustration, if you borrow $10,000 at an APR of 14.50% for a 36-month term, you would make monthly payments of $344.21. The actual APR you receive depends on multiple factors, including your credit score, the loan amount, loan term, and your credit history. The lowest APRs are generally offered to applicants with excellent credit profiles.
All loan applications are subject to a credit review and approval process. Origination fees are set by our lending partners and are deducted from the loan amount; for instance, a $10,000 loan with a 1% origination fee would result in $100 being deducted, leaving $9,900 as the loan amount received.
Editorial Note
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