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Northbridge

How it works

We are a marketplace, not a lender. Here is exactly what we do, what lenders do, and what we will never promise.

  1. 1. Tell us what you need
    Choose a requested amount between $500 and $50,000, a loan purpose, and a repayment period. You also share a rough picture of your income, employment, and housing costs so partners can assess affordability.
  2. 2. Submit your application
    The five-step form collects your loan request, personal details, financial information, and the consents required for lender matching. You can move back and forth without losing what you entered.
  3. 3. We match against partner criteria
    Each partner in our network publishes criteria: states served, minimum and maximum loan amounts, accepted loan purposes, and credit profile ranges. We identify which partners your request may fit. A match is not an approval.
  4. 4. Review available options
    Where a partner integration is live and the partner responds with an offer, we show you what the lender sent: amount, APR, term, monthly payment, and fees. We never estimate or invent these numbers.
  5. 5. Complete the lender's process
    If you choose an option, you continue directly with that lender. They perform their own verification, may request documents, and make the final credit decision and funding arrangements.

What an application is — and is not

A submitted application is a request. It is not an approval, and a lender match is not an approval. An offer exists only when a participating lender has actually responded with one. We never generate an APR, a monthly payment, an approval, or a funding date on a lender's behalf.

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