How It Works
From one request to a possible lender offer, here's the simple process. Funding timing depends on the lender you choose.
One request. A simpler way to compare. Submit one request and we'll try to connect you with third-party lenders in our network. If you receive multiple offers, compare them side by side and choose the one that fits.
Submit one request online
Tell us about your income and expenses. The initial request takes about 5 minutes, and SET Financial does not obtain or pull a credit report when you submit it.
We try to match you
We share your request with third-party lenders and lending networks. Each lender reviews your information and decides whether to connect with you.
Review any offers you receive
If a lender connects with you, they present their rates, terms, and payment schedule directly. You're under no obligation to accept any offer.
Work directly with the lender
If you accept an offer, the lender handles approval, funding, and servicing on their own timeline. SET Financial is not a party to your loan.
Takes about 5 minutes
Why choose us
One request, many lenders
Submit a single request and we'll try to match you with third-party lenders in our network. One application, multiple lenders.
Options to compare
Lenders in our network may offer a range of rates and payment schedules. Compare any offers and choose what fits your budget.
Support for existing customers
For existing SET-serviced loans, our team can help if you hit a rough patch. For new loans through our network, contact your lender for servicing or hardship options.
Common questions
Quick answers. For more, see our full FAQ page.
Is SET Financial a lender?
SET Financial is a licensed lender that services existing customer accounts and has stopped originating new loans. For new loan requests, we connect you with third-party lenders and lending networks, who make all loan and credit decisions.
Who decides my loan amount and terms?
The lenders in our network set all loan amounts, rates, fees, and approval decisions. Not everyone will be approved or connected with a lender.
Is there a fee to use SET Financial?
No. There's no cost to you. We're compensated by the lenders and lead-purchasing networks we refer your information to.