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Fund what matters most to you
Personal loans built for life's important moments.
500,000+ customers trust
Reset Financial
Personal loans designed for real life
Consolidate debt
Simplify multiple payments into one fixed monthly rate and save on interest.
Improve your home
Tackle that remodel or necessary repairs without the wait.
Cover unexpected expenses
Get fast funding for car repairs, medical bills, or emergency costs.
Get funded in three simple steps
From application to funding in as little as 24 hours.
Check your rate
See your personalized rate in minutes with no impact to your credit score.
Choose your loan
Pick the loan amount and payment plan that works best for your budget.
Get your funds
Once approved, receive your money as soon as the next business day.
Checking your rate won't affect your credit score.
Working with trusted lending partners nationwide
Why choose Reset?
Transparent lending designed to work for you, not against you.
No hidden fees
What you see is what you get. No origination fees, no prepayment penalties, no surprises.
Fast funding
Get approved in minutes and receive funds as soon as the next business day.
Transparent rates
Clear, fixed rates so you know exactly what you'll pay every month.
No credit score impact
Check your rate without affecting your credit—see your options risk-free.
Built for everyone
We believe financial services should serve people, regardless of background.
Real support
Questions? Our team is here to help when you need us.
Trusted by thousands
Reset made the whole process simple and fast. I got approved in minutes, funded the next day, and saved money compared to my credit cards. Highly recommend.
— Marcus J, California
Consolidated $18K in debt
*Actual members. Members' endorsement is a paid testimonial. Individual results are not typical and will vary.
Your fresh start is just minutes away
Join 500,000+ people who found the funding they needed with Reset.
Checking your rate won't affect your credit score.
Common questions
Quick answers about rates, approvals, and funding.
A personal loan is a fixed-rate, fixed-term loan that you can use for almost any purpose. Unlike credit cards, personal loans have predictable monthly payments and a set payoff date.
Pre-qualification means we've done a soft credit check to give you an estimate of the rates and terms you may qualify for. This does not affect your credit score and is not a guarantee of approval.
No. Checking your rate with Reset uses a soft credit inquiry, which does not impact your credit score. A hard inquiry only occurs if you accept an offer and proceed with a full application.
Your rate is based on several factors including your credit score, income, debt-to-income ratio, loan amount, and loan term. We aim to offer competitive rates with full transparency.
Once approved and after you accept your loan terms, funds can be deposited into your bank account as soon as the next business day.
Yes! There are no prepayment penalties with Reset. You can pay off your loan early at any time without any additional fees.