Get Financed or Offer Financing — All in One Place.
Instant prequalification for members and consumers. Instant funding for merchants.
AspiraLend connects people and businesses to fair, flexible financing—turning declines into opportunities.
Point-of-sale lending • Second-look financing • No-impact prequalification • For consumers and merchants alike.
Checking available offers won’t affect your credit score.
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
Funds deposited directly to your account
Checking available offers won’t affect your credit score.
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 available offers 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.
Apply or Share Your Link
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.
Get Funded or Paid
Borrowers receive funds directly; merchants get paid once loans are funded.
We Handle the Rest
Repayments and support are managed by the lender — no servicing or follow-up required.
Checking available offers 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
White label options to support your brand.
Checking available offers won’t affect your customer’s credit score.
We Serve Everyday Needs — From Health to Home to Education
Health & Wellness
Weight-loss, dental, fertility, elective procedures
Home Improvement
HVAC, roofing, remodeling, solar, accessibility upgrades
Education & Skills
Career training, certifications, tuition programs
Small Business Needs
Equipment, inventory, working capital
Fast, fair financing built right into the services you use most — from medical care to home repairs.
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 and customers alike find the right match for every budget.
Loan amounts from $750 to $50,000
APR range up to 36 % (by lender and state)
Terms from 3 to 72 months
White-label and co-branded options available
Whether you’re helping clients fund wellness, education, or home projects, AspiraLend makes financing simple, fast, and fair.
Checking available offers won’t affect your customer’s credit score.
Partner Benefits at a Glance
AspiraLend makes 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.
No Up-Front Cost
Free to join. Earn commissions on every funded loan — with no setup fees, servicing costs, or hidden charges.
Checking available offers won’t affect your or your customer’s credit score.
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 customers and merchants with a trusted network of lending partners.
Will checking rates affect my credit score?
No. We use a soft credit inquiry to match offers — it won’t impact your credit score.
How long does it take to get my loan funded?
Your loan can fund in as little as one day. Many loans fund in 2–3 business days, depending on the lender and state regulations.
What’s the loan range available?
Loan amounts typically range from $750 to $50,000, based on credit profile and lender terms.
What does pre-qualification mean?
Pre-qualification means that the lending partner has reviewed the information you submitted through AspiraLend and conditionally approved you for a loan with certain terms. You finish the final loan application directly with one of our lending partners.
Can I prepay my loan early without penalty?
Typically, our lending partners allow you to prepay your loan without penalty. Please see the product details for each lender for more information.
How long do I have to repay the loan?
Our lending partners currently offer loans ranging from 12 months to 6 years with no prepayment fees.
What rates are offered by the lending partners that participate on AspiraLend?
Rates for our lending partners start at 6.99%. The exact rate will depend on a number of factors including credit score, income and the amount of your current monthly debt payments.
Is AspiraLend secure?
Absolutely. We prioritize your security with advanced encryption and compliance with industry standards to protect your data and transactions.
Does AspiraLend require a minimum credit score to check offers?
There is no minimum credit score requirement to check offers on AspiraLend. Using your submitted application information and a soft credit check, our network of lenders will evaluate your loan request in seconds to see if you are pre-qualified for offers.
Each lender has an established underwriting formula and typically includes factors such as your credit history, your current debt-to-income ratio, and your employment status in determining your creditworthiness and what offers you qualify for.
Checking available offers won’t affect your or your customer’s credit score.
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Embedded Lending Made Simple.
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Customer-First Service.
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32 N Gould St., Sheridan, WY 82801
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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 or AllHumanity Financial. AllHumanity Financial 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 point-of-sale financing platform 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. You are not required to accept any loan offer. If you do not agree with the terms, do not sign the loan documents.