SOLO BORROW

No judgment. No compounding interest

Capital, on your terms. No credit check, no payroll tie-in, no purchase to justify. Just fast, real money up to $650, funded by a member who chose to back you.¹

Cheaper, and proven

No compounding interest changes the math entirely, what you agree to is what you owe, full stop. That's the difference between SoLo and every other short-term option out there, and it's why we're the most competitively priced way to get cash fast. See the total cost of each option for yourself.²

17%
average. You set the price.
Buy now, pay later
21%
average, stacks fast with late fees.
Small bank loans
24%
average, needs a checking account there.
Payday loans
46%
average, the highest starting cost.
Subprime credit cards
51%
average, the most widely used and most expensive.

How a request works

1
Tell us how much you need
2
Set your own terms and timeline
3
Post your request
Real lenders can fund it, with an average funding time of less than 5 minutes, and the money goes straight to your account. All terms are decided by you. No surprises.¹
Make Your First Request
Who can borrow

Anyone can request a loan.³ No credit check, ever. All we ask is that you verify who you are and connect a checking account and debit card that's active and in good standing.

What you can request

Loan amounts range from $20 to $650, based on eligibility, not your credit score. The maximum you can request grows as you build a positive repayment history. 

Earn on Good Habits

Pay on time, earn SoLo Credits. Credits go straight toward the cost of your next loan, so the more you repay on schedule, the less your borrowing costs. Good habits pay you back here. Subject to Terms and Conditions.⁴

Make Your First Request

Real borrower stories

Thousands of five-star ratings, from members putting SoLo to the test every day.
“
Requested my first borrow expecting it to take a while but nope within mins I had a lender... shows that this world still has niceness.
Amber H.
“
It's hard for me to get approved for anything with my credit being poor... They saved me... I was able to get my daughter her medicine
Anthony G.
“
No judgment and no unnecessary hoops. I was able to get help for a light bill for my family... It is real people helping real people.
Merrisha
Borrower FAQ

The questions we get most, answered without the fine print.

Why is borrowing on SoLo different?
You set your own price: tip, donation, and repayment date, and it's funded by a real person in the community, not a faceless institution.¹
What are the key steps for getting started?
Three steps: verify your identity through Plaid, connect a checking account in good standing, and submit your request with a matching debit card. Rushing any of them is the most common reason first-time borrowers get stuck.
How fast can I get funded?
On average, requests get funded in under 5 minutes, though it depends on lenders choosing to fund your specific request.
How do I access my funds?
Three ways to use your funds: the SoLo Debit Card⁵ (free, instant), Instant Transfer to an outside account (1.99% fee), or ACH transfer (free, standard transfer time). If you don't need the money elsewhere right away, the Debit Card is the only option that's both free and instant.
Get funded, on your terms.
Download SoLo and post your first request. Available on iOS and Android.
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SoLo Funds, Inc., a Certified Public Benefit Corporation, is a financial technology company, not an FDIC insured depository institution. Banking services provided by Bangor Savings Bank, Member FDIC.

Lending through SoLo involves risk, including the risk of borrower default and loss of principal. Lender returns are not guaranteed, are not insured by the FDIC or any federal agency, and are not bank deposits. Historical performance figures reflect platform-wide averages and do not predict future results. Individual results vary.

SoLo Alpha is offered by SoLo Cooperative, a separate legal entity from SoLo Funds, Inc. Neither entity guarantees the obligations of the other. SoLo Alpha is not a bank deposit and is not FDIC insured.

¹ All loan requests are subject to verification, lender proposal, and the requestor's final acceptance. Tips and donations are voluntary. Donations may be turned off in settings.

² Comparisons: Average total cost comparisons above (SoLo, cash advance apps, buy now pay later, small bank loans, payday loans, subprime credit cards) are drawn from SoLo's 2026 Cash Poor Report (thecashpoor.com). Actual costs vary by provider and individual terms.

³ Must be 18 or older.

⁴ Rewards: SoLo Credits are a platform reward, not cash, and have no cash value outside the SoLo platform. Credits may be applied toward the cost of borrowing on SoLo, subject to available balance and program terms. Credit earning is based on borrower activity and is subject to program terms, which may change. Credits are not a guarantee of any future loan terms, rate, or approval. See Rewards Terms for more details.

⁵ The SoLo Mastercard® Debit Card is issued by Bangor Savings Bank, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circle design is a trademark of Mastercard International Incorporated. Spend anywhere Mastercard is accepted.

© 2026 SoLo Funds Inc.