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Life happens. billshappen.com Is Here to Help.

Whether you find yourself with an unexpected bill, a necessary home or car repair, or many other types of financial need, billshappen.com is your trusted source to help connect you with reputable lenders in our trusted marketplace. Our network of lenders can provide financial assistance fast - often as soon as the next business day, and hassle-free.*

Fast and Easy

Find a lender in minutes!

Get Up to $5,000

Cash is deposited directly into your account by a lender in as little as 24 hours!*

Peace of Mind

Your information is protected by the latest encryption technology.

The annual percentage rate associated with an extension of credit is a figure based on the total cost of a loan you receive from your lender. As you consider any offers that are made to you, be sure to assess your budgetary constraints and your ability to repay. Below illustrates representative examples of loans based on a range of APRs a borrower could receive based on their creditworthiness and other factors as stipulated in your loan agreement. These should only be used for educational purposes and you should consult the TILA box in your loan agreement for real values. Please borrow responsibly:

Consider a $2,500 loan with an APR of 28% with a 12 month repayment term:
Potential Monthly Repayment: $241.26
Total Repayment: $2,895.18

Consider a $500 loan with an APR of 199% with a 3 month repayment term:
Potential Monthly Repayment: $224.76
Total Repayment: $674.28

Consider a $300 loan with an APR of 600% with a 90-day repayment term:
Potential Monthly Repayment: $270.00
Total Repayment: $810.00

How it works

Submit a Quick and Simple Online Form.

No storefronts to drive to, no lines to stand in. Submit your information completely online through our safe and secure form. billshappen.com never charges a fee for our service.

Up to $5,000 in Your Account As Soon As Tomorrow!*

Once your information has been submitted, we will send it to our network of lenders who will then review it instantly. If a lender chooses to work with you, you will then be redirected to their website and presented with an offer. There, you will have an opportunity to review the exact terms of the loan, and if you accept, your money could be transferred directly to your account in as little as 24 hours.*

What you’ll need

Mobile Phone

A mobile phone helps us reach you

18 or Older

You must be at least 18 and be a US citizen or permanent resident

SSN

Identity verification

ID

You’ll enter this into the form

Your Address

Where are you located

An Income Source

How do you receive funds to repay the loan

Banking Account

Tell your lenders where to send the funds

Bad Credit?

All credit types welcome!

We are here to help

What is a Personal Loan?

Personal loans are generally loans without collateral (hence the name personal). Personal loans can be used for any purpose, but common uses include debt consolidation, credit card payoffs, etc.. It may go without saying but personal loans should be used responsibly. Be sure to read the terms before accepting.

What is a Short Term Loan?

Short term loans are designed around addressing an immediate financial need or emergency. This could be an unexpected medical bill, a broken down car, etc. The loan amount range is usually up to $1,000 and the term can range from under 30 days for a payday style loan to monthly or weekly installments for an installment style loan.

Why are you collecting my SSN and Bank Details?

Our network of lenders use your SSN and bank details to help them make a decision about whether or not to extend you a loan offer. The bank details also help the lender that you are connected to know how to send money to your account. Our websites are encrypted using industry recognized encryption technology to help keep your information safe. Additionally, lenders use the SSN to help ensure the identity of the applicant is really the person they say they are.

Are you a lender?

No, we are not a lender. We work with several lenders to make up a network that can help you to find a loan. After submitting a request, if accepted, we will forward you to the lender's website where you will be able to learn more about your specific loan offer.

IMPORTANT: The Operator of this website is not a lender, financial institution, loan broker or an agent of a lender or loan broker and does not make any credit decisions. You may not qualify with any lender for any loan amount, or you may qualify with a lender for an amount that is much lower than what you are seeking. This service, which connects consumers with eligible third party lenders, is free to consumers. This service does, however, receive payment from lenders for referring lead data to them. Although multiple factors dictate the order in which lenders have the opportunity to purchase a lead, the highest bidding lender will most often get the opportunity. Lenders may perform credit checks through any credit reporting bureau and may also verify the information that you provide on this form including social security number, address, phone number, employment history, bank account information etc. Information may be shared with non-lenders or other intermediary service providers (like us) to help you connect with a lender. This service works with many different kinds of lending partners, including tribal lending institutions. Federally recognized Indian tribes are independent sovereign nations and their wholly owned entities are generally not required to follow state and local laws regarding rates, fees and other loan related conditions. However, Indian tribes and their wholly owned entities are required to follow some applicable federal laws. If you are connected with a tribal entity, be sure to check their rates as they may carry higher interest rates when compared to state-licensed lenders. The Truth in Lending Act requires lenders to disclose rates, fees and other important conditions of a loan. After checking the terms, make a determination of whether or not you can afford the payments. We earnestly encourage you to reject any offer that is not within your financial means. Short-term, small-dollar loans are not a long term solution to financial hardship. You may also consider seeking professional advice regarding your financial circumstances and alternatives to loan products. Late payments of loans may result in additional fees or collection activities, or both. Each lender has its own terms and conditions. Please familiarize yourself with your lender’s policies for further information. Additionally, failure to repay your loan may carry nonpayment penalties and collection activities. Please review nonpayment terms with your lender directly. Every lender has a different renewal policy please review your particular lender’s renewal policy for more information.

State Availability: Lenders that participate in the services provided by this website do not offer loans in every state. If you are from a state that the lenders do not service, you will not be able to be connected to a lender. Our service does not constitute an offer or solicitation for any loan products that are prohibited by state law. Additionally, this is not a solicitation for any particular loan and is not a loan offer.

Advertiser Disclosure: This website offers a 100% free service that connects consumers with third-party lenders and partners. While this is a free service to consumers, third-party lenders or partners may provide the operator of this website with a referral fee for referring consumers to them.