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How It Works

We know that life can throw up all types of situations for people requiring access to funds quickly and securely.
Whether that’s dealing with a home remodel or renovation, a car repair, a new business venture or just a change in circumstances.
Harpsey can support you with your search for a loan – whether that’s a short term payday loan, a longer term personal loan, an installment loan or even a bad credit loan.

How Does Harpsey Work?


Step 1. Quick online application

Complete the quick online application form. To be eligible for a loan you must:
- Have US or Canadian citizenship
- Be over 18
- Have a live checking account to receive funds
- Select the amount of the loan you wish to borrow and your preferred repayment schedule
- A stable income of no less than $800/month
- Be able to afford repayments

Step 2. Receive the loan offer

Receive the offer of a loan instantly from one of our selected lenders who is best matched to your needs. They will offer you a loan of between $100 to $35,000 depending on your loan selection criteria and financial standing, including income, employment and affordability.

Step 3. Approve the loan and get funds deposited

Approve the loan offer you’ve received and sign the electronic contract with the lender – this is required to establish the terms and conditions of your loan and repayments. Once done, your loan should be transferred into your account within the same day or next business day.

Who Does Harpsey Partner With?

Harpsey partners with a selected group of licensed and regulated lenders and match their funding criteria according to each borrower’s specific needs and requirements.

Through our service, we are able to offer loans of $100, $1000 or up to $35,000 with flexible repayment options including up to 60 months. Our focus on the US and Canadian markets means we have built up the knowledge and expertise to help borrowers find the best lender according to their needs – all free, and fully transparent through our online service.

Why Should I Trust Harpsey?

Harpsey is passionate about responsible lending and helping people obtain access to important loan capital and funding to ensure they can deal with issues that may arise from time to time.

We are proud to offer a best-in-class service and only work with trustworthy lenders. Whether you’re based in California, Texas, Florida or another US state, we would recommend trying our service to see the flexible rates and loan terms that may be available to you through a network of lenders.

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