A free tool for Americans facing a financial emergency. Answer 8 quick questions — we'll show every option available for your situation, ranked by what actually makes sense. No credit check.
We are not a lender. We don't push a product. We help you understand every option available for your specific situation — then connect you with the right solution if you want one.
Eight questions about the emergency, your income, your credit range, and what you already have. No Social Security number. No document uploads.
— 90 secondsInstant ranked list: loans you'd actually qualify for, employer advances, assistance programs, credit negotiation, and non-loan paths most people miss.
— InstantA full personalized action plan emailed to you — step-by-step, with state-specific programs, scripts for calling creditors, and links to every resource.
— Sent in 30 secondsEight questions. Ninety seconds. Your personalized emergency action plan.
Step-by-step instructions for each option, state-specific resources, and scripts for calling lenders or creditors — emailed to you in under 30 seconds.
Check your inbox in the next 30 seconds for your personalized emergency action plan. If you don't see it, check your spam folder.
Not generic advice. Every guide is written for someone with a specific bill, a specific deadline, and limited options.