Self-service application

Same data, same outcome — your choice of speed.

Disbursements deferred during 501(c)(3) approval window

We are accepting and credit-assessing applications today. Disbursements begin once the IRS issues qardon.org's 501(c)(3) determination letter (typically 6 to 12 months from filing). Your application is queued and tracked in your member dashboard.

1. Identity

Used for KYC verification. We never ask your religion, ethnicity, race, or sexual orientation.

Not a member yet? You'll need to join first.

2. Loan request

What you need and how you'll repay.

$500 to $50,000.

3. Financial picture

Standard underwriting data. Same as any responsible lender.

4. Verification consents

Required to process your application.

Non-discrimination notice (ECOA): The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Qardon.org's lending decisions are based exclusively on creditworthiness criteria — never demographic factors.

Your application is reviewed within 5 business days. Decline reasons are non-moral, non-demographic, per ECOA adverse-action requirements.