How It Works

Hand holding phone with PockBox how it works on the screen

PockBox is an online matching service that makes it easy for borrowers to see if they qualify for loan offers from multiple lenders in minutes. Our simple and secure process enables you to provide basic information about yourself, your loan needs and your finances to be considered by up to several dozen lenders.

Whether you’re looking for a quick cash advance of $100 or a personal loan of up to $20,000, we can help. If you have excellent credit you may find a loan with a great rate from some of the largest lenders in America, while consumers with poor credit or no credit history may be approved even if they’ve been turned away elsewhere.

Our process is designed to be fast and easy, with only three simple steps:

Step 1: Check your rate by answering some quick and easy questions.
Tell us a little bit about yourself, the type of loan you’re looking for and some basic information about your finances. We’re paid by lenders to help them find customers who match their lending criteria, so PockBox doesn’t charge any fees to you!

Step 2: Choose the lender and loan offer that’s right for you.
Based on the information you provided in your application, we’ll present you with one or more pre-approved offers, if you qualify, from our network of lenders, which may vary in their loan amount, interest rate, and payback terms.

Step 3: Get your loan proceeds quickly.
Once you are approved for your loan, and have signed all documents – you could receive a cash advance in under an hour or, for a larger loan, as soon as tomorrow. In most cases, funding for your loan is deposited directly into your bank account and then immediately available for you to spend.

We work with lenders who can provide loans to borrowers across the credit spectrum, including those who may make you a loan offer with no credit check. Additionally, we use 256-bit SSL encryption to protect your information, ensuring the same level of security as most major banks.

Remember, PockBox is not a lender and cannot provide additional information about your loan offer or loan. We’re a matching service that connects borrowers like you with our trusted network of lenders in the U.S. who may be able to provide the loan you need. There’s no cost or obligation to see what you qualify for.

Need more details? Check out our Frequent Asked Questions