The storm came early,
the bill came with itA loan for unexpected expenses, $100 to $5,000
One free request to lenders in our network. FundHarborUSA is not a lender, and checking your options will not affect your credit score.
FundHarborUSA
Loan request desk
Pick an amount, answer a few short questions, and lenders in our network see one request.
Sent over an encrypted connection. Checking will not affect your credit score.
Shelter for the week the weather turns
Unexpected costs rarely wait for payday. A harbour does not stop the storm. It gives you a calmer place to sort out the next step.
- No fee
No charge to send it
Sending a request costs nothing and carries no obligation to accept an offer.
- One form
One request, many lenders
Your answers go to lenders in our network, so you are not filling out ten forms in the middle of a storm.
- Referral
A referral, never the lender
FundHarborUSA passes your request along. Lenders make every decision and set every term.
- Any history
Lenders weigh more than a score
Lenders in the network look at more than a score. Nobody can promise approval, and we never do.
- Secure
Details sent over encryption
Your details travel to the request form over an encrypted connection, and only the lenders reviewing them see them.
What three hundred dollars can cost
Short loans cost more than they look. This chart follows the worked example the CFPB gives for a two week payday loan.
- Day 0You borrow 300 dollars.
- Day 14You repay 345 dollars: the 300 plus a fee of 15 dollars per 100 borrowed.
- Day 28Roll it over once and you pay another 45 dollar fee and still owe the 300. That is 90 dollars in fees for four weeks.
- APRAlmost 400 percent for a two week loan at that fee.
Source: Consumer Financial Protection Bureau, What are the costs and fees for a payday loan?, last reviewed November 25, 2024. This is an example only. Your lender sets the real terms; read them before you accept.
A steady light for the night a bill blows in. One request, lenders in our network, nothing to pay to ask.
The costs that arrive with the wind
Nobody budgets for the week the power goes out. These are the kinds of costs that turn up without warning.
Power out for days
Renting or buying a generator, plus fuel, so the fridge and the sump pump keep running.
Water at the door
Sandbags, a pump, and a cleanup crew if the water gets in anyway.
Supplies before landfall
Batteries, lights, water and food, bought in a rush when the shelves are emptying.
A hole in the roof
A tarp today and a roofer next week, often before any insurance check arrives.
If insurance covers part of the damage, the deductible is usually still yours. A small loan is one way to cover that gap. Read the deductible guide before you borrow.
Three waypoints from request to offer
A short course with one rule: you stay at the helm. Nothing moves until you accept an offer.
- Waypoint 01
Fill in one short request
Choose an amount from $100 to $5,000 and answer a few short questions. It costs nothing.
- Waypoint 02
Lenders in the network take a look
Lenders in our network look at your request. If one can make an offer, you see the rate, fees and due dates.
- Waypoint 03
Take it or leave it, your call
Say yes only if it works for you. If approved, funds can arrive as soon as the next business day.
Questions, sorted by the worry behind them
Three flags, three kinds of doubt. Pick the one that matches yours.
Is this right for me
What would be considered an unexpected expense?
A cost you could not plan for and cannot easily delay: storm damage, a car repair, a medical bill, a broken furnace or a sudden trip. A small loan for unexpected expenses can bridge the gap, but it costs money, so compare it with other options first.
Can I take out a loan to fix my car?
Yes, a personal loan can pay for car repairs. Through FundHarborUSA you can request $100 to $5,000, and lenders in our network decide whether to make an offer. Get the repair quote first so you ask only for what the job costs.
Can I get a loan for storm damage?
You can use a personal loan for storm repairs such as a tarp, a deductible or a generator. Check your insurance policy first and see whether disaster assistance applies where you live. A loan works best for the part nothing else covers.
What will it cost me
How much does a small loan cost?
Cost depends on the lender, the amount, the term and your state. Short loans often carry high APRs: the CFPB example above uses a fee of 15 dollars per 100 borrowed, close to 400 percent APR over two weeks. Your offer lists the real cost before you accept.
Does checking my options affect my credit score?
No. Sending a request through FundHarborUSA does not affect your credit score. If you move ahead with a lender, that lender may run its own credit check, which can include the major bureaus, as our disclosures explain.
After you press send
Is FundHarborUSA a lender?
No. FundHarborUSA is a free referral service, not a lender. We pass your request to lenders in our network. They decide whether to make an offer and set the rate, fees and repayment dates.
When could the money reach my bank account?
If a lender approves you and you accept the offer, funds can arrive as soon as the next business day. Timing is up to each lender and your bank, so nobody can promise you a date.
Our side of the harbour, and the lines we hold
We do
- Send your one request to lenders in our network
- Keep the request free, with no obligation to accept
- State the range plainly: $100 to $5,000
- Show a real cost example with its public source
We never
- Act as a lender or make credit decisions
- Promise approval, a rate or a funding date
- Charge you for sending a request
- Ask for payment up front to release a loan
Guides before you borrow
- 01What counts as an unexpected expenseHow to tell a true surprise from a bill you can plan, and when a loan makes sense.
- 02Storm repairs and the deductible gapInsurance, assistance and savings first, then how to size a loan for what is left.
- 03Repair now or wait, a checklistEight questions to answer before you borrow for a car, a roof or a furnace.
When a bill blows in, start with one free request
Choose an amount from $100 to $5,000. Lenders in our network take it from there. We are not a lender, and asking costs nothing.