For first responders

Compare personal loan rates built for first responder income

Check rates from 50+ lenders in 2 minutes. Shift pay, overtime, and hazard pay count. No credit impact to see your options.

24/48/72 schedules welcome

Variable income accepted

Check your rate now

$3,000 – $100,000

Loan amounts available

50+ lenders

We compare them all

2 minutes

See your rates fast

No credit impact

Soft pull only

Next-day funding

When approved

Shift pay welcome

Overtime counts

Choose why you're borrowing

We'll prefill your reason in the application so matched offers are easier to compare

Consolidate my debts

Combine multiple payments into one lower monthly bill

Pay off credit cards

Replace high-interest balances with a fixed-rate loan

Home improvement

Renovate or repair your home

Medical or family expense

Cover medical bills or a family need

Something else

We can help with that too

Checking your rate won't affect your credit score.

Built for how you work

We understand first responder schedules and income

Tell us what you need

Pick your loan purpose and share basic info. Takes 2 minutes, won't affect your credit.

Compare personalized rates

See offers from 50+ lenders. We match based on your income structure, not just a number.

Get funded fast

Choose your offer and finalize details. Most approved borrowers get funds in 1–2 days.

Compare offers from lenders like

Real first responders, real results

See what others from your community are saying

“The application understood my 48-hour schedule and overtime without me having to explain. Got approved within 24 hours and consolidated three cards. Simple process.”

Marcus Williams

Engine 7 Lieutenant

Houston FD

“Been an EMT for 12 years. This was the first time a lender didn't question my variable income or ask me to 'get a regular job.' Funded in two days, used it to pay off medical bills from my daughter's surgery.”

Sarah Chen

Paramedic

King County EMS

“I work 72s at the station and side work when I can. They actually counted all of it. Rate was better than my credit union, and I didn't have to take a day off to go sit in a branch.”

James Rodriguez

Firefighter/Paramedic

Phoenix Fire Department

Common questions

Everything you need to know

Will checking my rate affect my credit?

No. We use a soft credit pull to show you personalized rates, which won't impact your credit score. Your credit is only affected if you accept an offer and the lender does a hard pull during final verification.

Do you accept shift pay, overtime, and hazard pay as income?

Yes. We understand that first responder income includes base pay, shift differentials, overtime, and hazard pay. Our lenders are experienced working with 24/48/72 hour schedules and variable income structures.

How fast can I get funded?

Most approved borrowers receive funds within 1–2 business days. Some lenders offer same-day or next-day funding once your loan is finalized. Timeline depends on verification and your bank's processing speed.

What if I have irregular hours?

That's exactly who we built this for. Our lenders understand that your schedule doesn't fit a 9-to-5 model. We'll work with your pay stubs and employment verification to document your income accurately.

Ready to compare rates?

2 minutes. No credit impact. Shift pay, overtime, and hazard pay all count.