Personal loans$200 – $5,000

See your offers — checking is free

We put your details in front of the lenders whose criteria you appear to meet. About a minute, no fee, and no mark on your credit file.

Soft pull to check. Seeing your offers leaves no mark on your file. Only applying with a lender triggers a hard inquiry.

Fixed monthly instalments. The same payment every month for the whole term, with no balloon at the end.

Kovo is not the lender. Partner lenders fund and price the loan. They pay us, never you.

$200–$5,000Loan amount

6–36%APR, set by lender

$0To check your options

256-bit encryption · we never sell your details — how we handle your data

Secure application Encrypted

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Checking takes about a minute and uses a soft credit pull. What you are authorising.

Before you start

What lenders in our network generally look for

18 or older19 in AL and NE

U.S. bank accountWhere the loan would land

Regular incomeLenders price on it

SSN or ITINMost lenders need an SSN

These are typical across the network, not a checklist you must clear to use the form. Each lender sets its own criteria and several look at income and banking activity rather than a score alone. If nobody makes you an offer, no hard inquiry has been run and nothing is recorded against your file.