Small loans for big moments.

No fees, no interest.

Interest free loans repayable over 36 months.
Get up to $300 instantly.
Get Started Now, Join the Waitlist
Our Investors, Partners & Supporters

Creating impact to provide financial health and time wealth

Active Couponing

Putting more money in your wallet is one of our core values. We drop coupons and provide cash back options while shopping in-store or online.
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Customize Spend

Create custom spending channels to better manage your finances. Sometimes we need to hide money from ourselves for a rainy day.
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Optimized

We know it isn't always pretty when you look into your account, but we try to make it so each day is a little better so that over time it looks pretty good.
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Connect Your Bank & Credit Card Accounts

Store all your financial information in one solution to the whole picture so we can diagnose and treat your financial problems.

Our App Manages Your Finances

Learning about how to budget is one of the most important tools to achieve financial success. We're here to help. 🤓
Save money by getting targeted deals based on your daily transactions
We actually help improve your credit score by submitting your on-time loan payments to the credit bureaus
Get useful real-time suggestions on how you can save on your bills

Customer Testimonials

"I'm trying to catch up on my bills so that I don't fall behind more than I already have. EQL was a lender who was willing to take a chance on me."

- Orrin C

"I support EQL because it helps millions of people who are living paycheck to paycheck."

- Apl.de.ap, Black Eyed Peas

"EQL has been such a life saver."

- Rita J.

Entertaining Financial Education At Your Fingertips.

We leverage viral influencer content and your current finances to make your financial education feel less like school and more like entertainment so these important life skills retain.

Build Your Credit

We report your on-time payments to us to the credit bureaus for free so we help build your credit history

Unexpected Bills

We provide you up to a $300 loan, with no interest, no credit check. Yes, really.

Quality Edutainment

Learn what they don't teach you at school like hacks to build credit and much more.

Military Secure

We use military-grade encryption and best practices backed by Google.

Kind words about EQL

I support EQL because it helps millions of people who are living paycheck to paycheck.
Apl.de.ap
Black Eyed Peas
I'm trying to catch up on my bills so that I don't fall behind more than I already have. EQL was a lender who was willing to take a chance on me.
Orrin C.
EQL Customer

Frequently Asked Questions

Still have doubts? Here's everything we think you should know.

How much can I qualify for and what are the loan terms?

Currently you can qualify for up to $300 instantly. You simply just have to pay it back over 36 months in equal installments with zero fees, zero interest. Yes really, and we improve your credit score. No credit check.

What is the waiting period for my first payout?

This depends if you are able to successfully connect your bank account and fulfill the requirements. We typically respond instantly to 48 hours. If you have any issues please reach out to us by emailing [email protected]

What happens if I am late on a payment?

This will impact your chances of future loans when you really need it. We understand when you're in a tight spot, but to make it fair for all our users in need, we expect on-time payments.

What can I do with my loan?

You can pay that bill when you're in a pinch. You can also use this loan to simply build your credit history.

What you do with my data?

We use your data to power our products. That data is used for loan origination, financial literacy, couponing and more. Moreover, to provide you the best service we provide insights to 3rd party companies.

We anonymize and aggregate your information so your personal information is never exposed.

Are there future services you'll be looking to build?

Our mission is to create financial health and time wealth products for you. We know we're just scratching the surface so we're always looking for great ideas. Feel free to reach out to us at [email protected] Just put Ideas in the subject line.

Join thousands of users building their financial future with EQL

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