Get Financed or Offer Financing — All in One Place.
Instant prequalification for consumers. Instant payouts for merchants.
One form. Multiple lenders. No credit impact to check your rates.
Point-of-sale lending • Second-look financing • No-impact prequalification • For consumers and merchants alike.
Checking your options won’t affect your credit score.
TRUSTED BY
Who Are You?
Individual & Family
Credit Union Member
Local Union
Member
Agency or Merchant
When your bank or credit union says no, AspiraLend helps you find a yes.
Whether you’re applying for a loan or helping customers say “Yes,” AspiraLend connects you to trusted lenders for fast, fair approvals — even when banks say no.
Soft credit pull — no impact to credit score
Real approvals from a network of lenders
Fair, transparent options
Funds deposited directly to your account
Get Financed in Minutes — No Credit Impact.
Check your personalized loan offers in under two minutes.
With a single, secure form, AspiraLend connects you to a network of trusted lenders offering fair financing — from prime to non-prime.
Soft credit pull (no score impact)
Loan amounts up to $50,000
Fixed terms 3 – 72 months
Funds deposited directly to your account in 2 – 3 business days
Checking your options won’t affect your credit score.
How It Works
Many hardworking people get turned down for loans — not because they don’t deserve them, but because traditional lenders can’t see their full story.
That’s why AspiraLend partners with responsible lenders to provide fair, transparent loan options — all in one simple application.
Tell Us What You Need
Customers complete one secure form — or merchants share a co-branded link at checkout.
Get Prequalified (Soft Check)
AspiraLend checks multiple lenders instantly — without affecting credit scores.
Choose Your Best Option
Borrowers receive funds directly; merchants get paid once loans are funded.
Receive Funds Directly
Repayments and support are managed by the lender — no servicing or follow-up required.
Checking your options won’t affect your credit score.
Offer Flexible Payments — and Get Paid Up Front.
AspiraLend lets your customers access instant financing while you collect payment in full.
No code, no compliance headaches — just one secure dashboard that tracks applications and payouts in real time.
Approvals in seconds – no score impact.
Works with all credit types
You get paid upfront; lender collects payments
Zero servicing or collection risk
Embedded POS financing
White label options to support your brand.
We Serve Everyday Needs — From Dental to Home to Education
Home Improvement
HVAC, roofing, remodeling, solar, accessibility upgrades
Dental & Elective Medical
Weight-loss, dental, fertility, elective procedures
Education & Training
Career training, certifications, tuition programs
Small Business Needs
Equipment, inventory, working capital
Fast, fair second-look financing built right into the services you use most — from dental & elective medical care to home improvement.
Whether you’re improving your home, investing in your health, or expanding your skills, AspiraLend connects people and businesses to the financing they need—right at the moment of decision.
Simple Terms. Transparent Rates. No Hidden Fees.
AspiraLend’s multi-lender platform provides a full credit-spectrum solution — helping merchants, agencies and customers alike find the right match for every budget.
Loan amounts from $1,000 to $50,000
APR range up to 36 % (by lender and state)
Terms from 3 to 72 months
Whether you’re helping clients fund wellness, education, or home projects, AspiraLend makes financing simple, fast, and fair.
Partner Benefits at a Glance
AspiraLend makes embedded POS financing easy for both businesses and customers.
Whether you’re helping clients fund services or applying for financing yourself, our platform handles everything — from prequalification to payouts — with no risk, no setup costs, and no credit score impact.
No Servicing Required
We manage all lending, funding, and customer support — so you can focus on your business while we handle the rest.
Instant Pre-Qualification
Get approvals in seconds with a soft credit check. No impact on credit score, and instant visibility into available offers.
Dedicated Merchant Portal
Track applications, payouts, and performance in real time — all from one secure dashboard.
Multiple Traffic Sources — More Opportunities
AspiraLend supports application volume from a variety of trusted channels, including merchants, service providers, and referral partners.
This multi-source approach helps you reach more qualified customers, generate more approvals, and convert more sales — without any added complexity for your team.
Frequently Asked Questions
Clear answers to help you understand how AspiraLend works for both borrowers and businesses.
Is AspiraLend a lender?
No. AspiraLend is a technology platform that connects applicants and businesses to a trusted network of independent lending partners. AspiraLend does not make credit decisions or issue loans.
Will checking my options affect my credit score?
No. AspiraLend uses a soft credit inquiry to help match you with available offers. A soft inquiry does not affect your credit score.
How long does it take to get funded?
Many lending partners provide decisions in minutes. Funding timelines vary by lender and state regulations, but many borrowers receive funds in a few business days after completing the lender’s final application.
What loan amounts are typically available?
Offer ranges vary by lender, credit profile, state regulations, and income. Many lending partners offer options from a few hundred dollars up to tens of thousands.
What does pre-qualification mean?
Pre-qualification provides a preview of potential offers based on the information you submit and a soft credit inquiry. If you choose an offer, you’ll complete the lender’s full application directly on their website.
Can I prepay my loan early without penalty?
Many participating lenders allow early repayment with no fee. Terms vary; please refer to each lender’s product disclosures for specifics.
How long do I have to repay the loan?
Repayment terms vary by lender and may range from short-term (12 months) to longer-term (up to several years). Exact terms will be shown in your offer.
Are the rates competitive?
Rates and terms are determined by each lender based on your credit profile, income, and underwriting criteria. Checking your options is free and does not affect your credit score.
Is AspiraLend secure?
Yes. AspiraLend uses industry-standard encryption, secure transmission protocols, and strict data-handling practices to protect your information.
Is there a minimum credit score to check offers?
No. There is no minimum required to check your options. Every lender has its own underwriting formula, and many lenders serve a broad range of credit profiles.
Is AspiraLend available to businesses or service providers?
Yes. Service providers and merchants can use AspiraLend to offer flexible payment options to customers. Consumers can use the same platform to explore financing for personal needs.
What types of needs can AspiraLend help with?
Home improvement, health services, elective procedures, training programs, small-business needs, and everyday family expenses.
Does AspiraLend charge fees?
No. AspiraLend does not charge consumers to check or compare offers.
Innovation
Financing Made Simple.
Integrity
Fair & Transparent.
Excellence
Customer-First Service.
COMPANY
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32 N Gould St., Sheridan, WY 82801
+1 (307) 218-2420
Mon - Fri: 9AM - 8PM EST
Hablamos Español
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Copyright 2026. AspiraLend, an All Humanity Financial company. All Rights Reserved.
Disclaimer: Checking customer offers won’t affect their credit score. A hard credit check happens only if a customer accept a loan. Loans are not mortgages and are not funded or issued by AspiraLend. All Humanity Financial, dba AspiraLend, is not affiliated with the lenders. All loans require credit approval. Terms and conditions may change without notice. This is not a loan offer or commitment.
Disclaimer: AspiraLend is a technology multi-lender platform (Embedded Financing) that connects applicants with participating lenders, and is not a lender, does not make credit decisions, and does not charge consumers any fees. It is not an offer or solicitation to lend. We submit the information you provide to one or more lending partners to try to match you with a lender that may meet your needs. This service is not available in all states, and availability may change without notice. Submitting your information does not guarantee that we will find a lender for you or that you will be approved for a loan. Lending partners may perform credit checks or verify your information. Loan amounts, terms, and approval are determined solely by the lender based on their criteria and your creditworthiness. Not all lenders offer the maximum advertised loan amounts. Loan terms, including APR, fees, and repayment schedules, vary by lender, state, and individual qualifications. If you choose an offer, the lender will provide full terms before you accept. You are not required to accept any loan offer. If you do not agree with the terms, do not sign the loan documents.