Loans for the folks who keep America running.

Personal loans for mechanics, diesel techs, and independent shop owners. Compare rates from 50+ lenders in 2 minutes. 1099 income welcome. No credit impact.

What do you need a loan for?

Consolidate my debts

Roll multiple payments into one lower monthly bill

Pay off credit cards

Swap high-interest balances for a fixed-rate loan

Tools or shop equipment

Scan tools, lifts, compressors, diagnostic gear

Truck or van repair

Keep your service vehicle on the road

Something else

We can help with that too

Checking your rate won't affect your credit score.

Built for shop owners & techsNo credit impact2-minute check1099 income welcomeFunded as fast as next business day

Built for the trade

Our lenders understand 1099 income, shop cash flow, and the reality of running a garage or working on commission.

Fast funding, no office visits

Check your rate from your phone between jobs. Pick an offer. Funded as fast as the next business day.

No credit impact

We use a soft pull to check your rates. Your credit score stays exactly where it is.

How It Works

Pick your loan purpose

Tool chest, shop equipment, truck repair, or consolidating debt — tell us what it's for. Takes about 10 seconds.

See your rates

We pull offers from 50+ lenders with a soft credit check. Your score isn't touched. Real numbers, no guessing.

Pick an offer and get funded

Choose the offer that fits. Funds hit your account as fast as the next business day.

“Needed a new scan tool to handle the newer Euro stuff coming in. Checked rates on my lunch break and had the Snap-on in the bay that Friday.”
Marco D.
Independent shop owner, Ohio

“Consolidated four credit cards into one fixed payment. Cut my interest almost in half — that's real money back in my pocket every month.”
Tasha J.
Diesel tech

Frequently Asked Questions

What is a personal loan?

A personal loan gives you a lump sum of cash that you repay in equal monthly installments over a set term — typically 2 to 7 years. The rate is fixed, so your payment doesn't change. No collateral required.

Will checking my rate affect my credit score?

No. We use a soft credit pull to show you real rates. Your score isn't affected. A hard pull only happens if you pick an offer and formally apply with a lender.

How fast can I get funded?

Most lenders in our network can fund as fast as the next business day once you accept an offer and verify your info. Funds go directly to your bank account.

What rates should I expect?

Rates depend on your credit profile, loan amount, and term. Our network offers rates from 5.99% to 35.99% APR. You'll see your actual options before committing to anything.

See all FAQs →

Two minutes. Better rates. Back to the bay.

Pick your loan purpose and see rates from 50+ lenders. No obligation. No credit impact.