Quick2Lend Review – Is Quick2Lend Legit?


Updated for March, 2024

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Quick2Lend is an online loan matching service that connects borrowers with various lenders. In this review, we’ll cover the most frequently asked questions, such as “Is Quick2Lend legit?” and “Does Quick2Lend do a hard credit check?” to help you make an informed decision about using their services.

What is Quick2Lend and How Does It Work?

Quick2Lend is not a direct lender but a loan matching service that connects borrowers with a network of potential lenders. By filling out a single application, borrowers can receive multiple loan offers, allowing them to compare rates and terms to choose the best option. The platform is designed to simplify the loan application process and improve the chances of approval for those in need of funds.

Is Quick2Lend Legit?

One of the primary concerns for borrowers is whether the platform is legitimate. Quick2Lend is a reputable loan matching service that has been in the industry for several years. They work with a vast network of lenders and maintain strict data security measures to protect user information. However, as with any financial service, it’s essential to do your research and read user reviews before making a decision.

Does Quick2Lend Do a Hard Credit Check?

Another common concern among potential borrowers is whether Quick2Lend performs a hard credit check. When you submit your application through Quick2Lend, the platform conducts a soft credit inquiry that doesn’t impact your credit score. However, if you decide to proceed with a loan offer, the individual lender may perform a hard credit check, which could affect your credit score. It’s crucial to review each lender’s terms and conditions before accepting any loan offers.

Is Quick2Lend Safe?

Ensuring the safety and security of your personal information is vital when using online services. Quick2Lend takes data security seriously and employs advanced encryption technologies to protect user data. Furthermore, they have a comprehensive privacy policy that outlines how they handle user information. While no online platform can guarantee absolute security, Quick2Lend is dedicated to protecting its users’ data.

Quick2Lend Interest Rates and Loan Terms

Interest rates and loan terms can vary significantly among the lenders in Quick2Lend’s network. The platform itself doesn’t set interest rates or loan terms, but rather provides borrowers with multiple loan offers to compare. The table below summarizes the typical range of interest rates and loan terms you may encounter:

Interest Rates Loan Terms
5.99% – 35.99% 3 months – 6 years

Please note that the specific interest rate and loan term will depend on various factors, including your credit score, income, and the lender’s criteria.

Alternatives to Quick2Lend

While Quick2Lend is a popular loan matching service, it’s essential to explore alternative options to ensure you make the best decision for your financial situation. Here are some other platforms to consider:

Personal Loan Aggregators

These platforms, similar to Quick2Lend, connect borrowers with multiple lenders through a single application. Some popular personal loan aggregators include LendingTree, Fiona, and Credible.

Direct Lenders

Direct lenders provide loans without using a middleman, such as a loan matching service. Examples of direct lenders include traditional banks, credit unions, and online lenders like SoFi, Upstart, and LendingClub.

Peer-to-Peer (P2P) Lending Platforms

P2P lending platforms connect borrowers directly with individual investors who fund loans. These platforms can offer competitive interest rates and flexible loan terms. Some popular P2P lending platforms include Prosper, LendingClub, and Funding Circle.

Improving Your Chances of Loan Approval

Regardless of which platform or lender you choose, it’s crucial to improve your chances of loan approval by focusing on the following factors:

  • Credit score: A higher credit score increases your chances of securing favorable loan terms and interest rates. Monitor your credit report for inaccuracies, make timely payments, and reduce your credit utilization to improve your score.
  • Debt-to-income ratio: Lenders often consider your debt-to-income ratio when assessing your ability to repay a loan. Aim to reduce your outstanding debt and increase your income to improve this ratio.
  • Employment history: A stable employment history demonstrates financial responsibility and reliability to lenders. Maintain a steady job and avoid frequent job changes to boost your chances of loan approval.
  • Loan purpose: Clearly stating the purpose of your loan can increase your chances of approval. Lenders prefer borrowers who have a specific plan for using the funds and are more likely to repay the loan.

Pros and Cons of Using Quick2Lend

Before deciding to use Quick2Lend, it’s essential to weigh the pros and cons. Here’s a summary of the platform’s main advantages and disadvantages:


  • Access to a vast network of lenders
  • Quick and straightforward application process
  • Soft credit inquiry that doesn’t affect your credit score
  • Multiple loan offers for easy comparison


  • Not a direct lender
  • Individual lenders may perform hard credit checks
  • Potentially high-interest rates depending on your credit profile
  • Loan terms and interest rates vary among lenders

What to Consider Before Using Quick2Lend

When evaluating Quick2Lend, there are several factors to consider to ensure it’s the right choice for your financial needs. Here are some questions to ask yourself:

  • What is your credit score? A higher credit score increases your chances of getting better loan terms and interest rates.
  • Do you need funds quickly? Quick2Lend can provide multiple loan offers within minutes, making it suitable for those in need of fast cash.
  • Are you comfortable working with a loan matching service rather than a direct lender? Keep in mind that Quick2Lend connects you with lenders but doesn’t provide the loan directly.


Quick2Lend is a reputable loan matching service that can connect borrowers with multiple lenders through a single application. The platform provides a convenient and efficient way to access loan offers, especially for those in need of funds quickly. However, it’s crucial to review each lender’s terms and conditions, as well as interest rates and potential fees, before accepting any loan offers. By considering the pros and cons and conducting thorough research, you can make an informed decision about whether Quick2Lend is the right choice for your financial needs.

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