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Your personal finance partner.

Meet Pennie - the first digital finance company built to serve everyone.

  • We never sell your information
  • Easily borrow up to $100,000
  • Low rates starting at 5.99%
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Join over 32 million people who have been funded
  • $10B+in credit products
  • 350M+loan offers made
  • 200M+customer inquiries

Debt happens.

Pennie can help.

  • Debt consolidation
  • Credit card refinance
  • Home improvement
  • Large purchases
Learn more

Get loan offers in as little as 60 seconds

You deserve options. So we built an industry leading platform to compete for your business.

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    Loans up to $100,000

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    APR starting at 5.99%

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    Repayment terms up to 7 years

View my offers

Your info is never sold

Browse exclusive offers from over 1,000 lenders competing for your business

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onemain financial logolending point logoprosper logolightstream logohappy money logoupstart logolending club logobest egg logoupgrade logosofi logo

Some you won't find anywhere else

Personalized loan offers

For all financial situations regardless of credit score or income

Get loan offers

Save thousands with a single fixed-rate payment

Starting at

5.99%

Loan terms that can flex with all of life's demands

Terms up to

7 Years

Get the funds you need, when you need them

Borrow up to

$100,000

Learn more about Pennie

Don't take it from us. Our best recommendations come from our customers.

Pennie was awesome. I had a phone call to verify my income and they mapped out a plan and explained everything to me.

Michael O.
$36Kloan amount received

Fast and easy. I was able to payoff a really high interest loan with the loan I received through Pennie. Very pleased!

Alex D.
$28Kloan amount received

Online application was straight forward. Loan offers came quickly. They walked me through my multiple offers personally.

Jerry W.
$85KHELOC line established

I had a quick need. I was able to get offers instantly through pennie and was funded in under 48h. Gave me flexibility pick my payments terms and date.

Jamie B.
$17Kloan amount received

The web site was super easy and took us step by step. If we can do it, any one can. Thanks for the speedy, easy process.

Zoe A.
$56Kloan amount received

Extremely fast and easy. I was traveling while going through my application process and the entire process was smooth. I got immediate approval.

Logan F.
$39Kloan amount received

Answers to common questions

  • Pennie is the fastest, easiest, and most comprehensive way to obtain financial service offers from top providers in the United States. Our proprietary technology securely matches you with the best loan offers regardless of your credit score or income level.

  • Our industry-leading technology provides a 60-second application process. Just answer a few questions through our form and get matched with the best loan options for you.

  • Your security is extremely important to us, which is why we use numerous security protocols to maintain the integrity of your data and personal information. We have secure servers to ensure your data is kept safe and sound. Any partner we work with is required to keep your information safe as if it were their own.

  • When you see a pre-approved offer, one of our lending partners has determined that you meet certain approval criteria. Our matching technology identifies loans that you are the best fit for. Pre-approved offers are conditional commitments for an exact rate from a lender, and let you know if you qualify for that loan. The rates are subject to change but are very rarely different than the rate you’ll see. This enables Pennie to match you with the loan offers that best meet your needs.