Find answers to common questions about Breezy Financial, the application process, and what happens after you submit your request.
How the service works and how to apply
Who may qualify and lender requirements
Loan amounts, APR, fees and repayment
Approval, information and credit checks
How and when funds may be received
Regulations, renewals and Breezy's role
Breezy Financial is an independent loan-connecting service — we are not a lender.
You complete one online request, and we attempt to connect you with a participating lender or lending partner that may be able to consider your request.
If a lender or lending partner is interested, you may be redirected to its website to continue the process.
SEE HOW IT WORKS ›The online request is designed to be completed quickly.
The exact time depends on the information you provide, but we've designed the process to be straightforward and easy to complete from your phone, tablet or computer.
Once submitted, Breezy will attempt to connect you with a participating lender or lending partner.
No. You can start your request online.
If you're connected with a lender or lending partner, you may then be redirected to its website to complete the lender's process.
Generally, you'll need:
Requirements vary by lender and state. Meeting these general requirements does not guarantee approval.
No. Submitting a request does not guarantee that you'll receive a loan or an offer.
Breezy Financial is not a lender and does not make lending decisions. We attempt to connect you with participating lenders and lending partners that may be able to consider your request.
If you're connected with a lender, that lender determines whether to approve your request and the terms of any loan offered.
The amount available to you depends on the lender, your individual circumstances and other applicable requirements.
The Breezy request tool currently allows amounts ranging from $200 to $10,000+.
The amount you request is not a guarantee of the amount you may be offered.
Yes. When you begin your request, you'll select the amount you're looking for.
The lender or lending partner ultimately determines whether to approve your request and the amount, rates and terms it may offer.
Loan costs vary by lender, state and your individual circumstances.
If you're connected with a lender, that lender will provide the applicable loan terms, including:
Always review the lender's agreement carefully before accepting an offer.
APR stands for Annual Percentage Rate.
It's a way of expressing the annualized cost of borrowing and may include interest and certain fees depending on the loan.
Because APR, fees and repayment terms can vary considerably, it's important to review the complete loan agreement before accepting an offer.
Breezy Financial does not charge you a fee to submit a request through our service.
However, a lender or lending partner may charge fees associated with a loan.
Always review the lender's agreement for complete information about rates, fees and repayment terms.
You complete your request online.
Breezy attempts to connect you with a participating lender or lending partner.
You may be redirected to the lender's website.
The lender reviews your information and makes the final decision.
If approved, the lender provides the funds according to its terms.
The lender or lending partner does.
After you submit your request, Breezy may connect you with a lender or lending partner. You may be redirected to that lender's website to complete its application or verification process.
The lender then determines whether to approve your request and what terms, if any, it can offer.
Lenders and lending partners may perform a credit check as part of their evaluation process.
Whether a credit check affects your credit score depends on the type of inquiry and the lender's process.
Review the lender's disclosures carefully for more information.
If you're approved, the lender may provide your funds electronically, such as by ACH/direct deposit.
The method and timing depend on the lender, your bank and applicable laws.
Potentially as soon as the next business day.
However, funding times vary by lender, bank and applicable laws.
Your loan agreement will explain the lender's policies regarding late or missed payments.
Depending on the lender and applicable law, late payments may result in additional fees or collection activity.
Because Breezy is not the lender, questions about a specific loan should be directed to the lender listed in your loan agreement.
That depends on the lender and applicable state law.
Some lenders may offer renewal or refinancing options, while others may not. Your loan agreement will contain the applicable information.
Never assume a renewal is automatic. Review the lender's terms carefully.
Some lenders may not lend to military members or their dependents, while other participating lenders may serve members of the U.S. armed forces.
Availability and eligibility depend on the lender and applicable law.
Breezy Financial is not a lender and does not make lending decisions.
Our participating lenders and lending partners are responsible for complying with applicable federal and state laws and regulations governing their lending activities.
We encourage you to carefully review any loan agreement before accepting an offer.
No. The service is not available in all states, and availability may change.
Additionally, loan amounts, APRs, fees, repayment terms and eligibility requirements can vary by state and lender.
Before accepting an offer:
If you have questions about a specific loan offer, contact the lender directly.
We're an independent loan-connecting service.
We're happy to help point you in the right direction. For questions about an existing loan or specific loan terms, please contact the lender or lending partner directly.
CONTACT USSubmit one simple request and see what participating lenders may be able to offer.
GET STARTED ›