See loan options — $100 to $5,000

Takes about 2 minutes · Free · No obligation · Won't affect your credit score to check

256-bit SSL No obligation Not a lender

Practical funds for practical home needs

Q: Will checking affect my credit score?

No, seeing your options starts with a soft inquiry. A lender you continue with may run a full check later.

Request $100 to $5,000 and EffectiveHomeSolutions checks a network of lenders to show you where you may qualify.

Personal loans, not mortgages. We're a free referral service for unsecured personal loans for home repairs and everyday costs — not mortgages or any real-estate-secured lending.

Some fixes just can't sit on a list

— The kind of repair that gets worse (and pricier) if it waits.

— A practical need with an impractical timing.

— You'd rather solve it now than patch it twice.

— One request, real options, no runaround.

See your options →

How it works

A practical, three-part fix

Step 1

Tell us the amount

Choose $100 to $5,000 for the repair or need — about two minutes.

Step 2

We check the network

Your request is shared with lenders and partners to find likely fits. No credit-score impact to check.

Step 3

Continue with a lender

If matched, review any offer with the lender. You're never obligated to accept.

The essentials

The plain facts

Everything up front, before you start.

Amount range$100 – $5,000

Loan typeUnsecured personalNot a mortgage

Time to request~2 minutes

Cost to use$0Always free

Credit impact to checkNoneSoft inquiry only

ObligationNone

Good to know

Straightforward answers

Is this a mortgage or home loan?

No. Despite our name, EffectiveHomeSolutions connects you with lenders for unsecured personal loans for home repairs and everyday costs. We do not offer, broker, or arrange mortgages, home-equity loans, or any real-estate-secured lending.

Is EffectiveHomeSolutions a lender?

No. It's a free referral service that connects your request with third-party lenders and lending partners. We don't make loans or credit decisions.

How much can I request?

Anywhere from $100 to $5,000. The amount, rate, and terms depend on the lender you're matched with.

Will checking affect my credit score?

No — seeing your options starts with a soft inquiry. A lender you continue with may run a full check later.

What does it cost?

Nothing. Lenders may pay us a referral fee, which never changes what you pay them.

What do I usually need?

To be 18 or older, a U.S. resident with a regular income, an active checking account, and a valid email and phone.

Solve it in a couple of minutes

Request $100 to $5,000 and see where you may qualify — free and with no obligation.

See my options