Know the full price of a loan before you take it.
Newton Simon sends your request to participating lenders and brings back their offers with every cost in writing: APR, monthly payment, finance charges and total repaid. You compare. You decide. We never lend, and we never charge you.
Same amount. Three terms.
Move the slider and watch how a longer term changes the total price.
Illustration at a fixed 19.90% APR. It is not an offer. Real APRs, terms and payments are set by the lender and depend on your credit, income and state.
What we do
And, just as important, what we don’t.
We take one request
Amount, purpose and a few details about you, in a few minutes.
We share it, with your OK
Only after you review our disclosures and agree do participating lenders see it.
Lenders do the lending
Offers, approvals, contracts, funding and payments are all handled by the lender.
Tell us the amount and the reason
Anything from $300 to $3,500, for a car repair, a medical bill, a move or something else.
Add your details and give consent
Contact, income and bank information. You review our disclosures and choose whether to share.
Read the offers
Participating lenders reply with APR, payment, term and total cost stated plainly.
Decide, with no obligation
Continue with the lender you choose, or stop. Nothing is owed for looking.
Costs, in writing
These ranges cover offers from participating lenders. Where you land depends on the lender, your state and your credit profile.
| Loan amount | $300–$3,500 |
|---|---|
| Repayment period | 91 days to 30 months |
| APR | 7.49%–35.99% |
| Full repayment within 60 days | Never |
| Paid to Newton Simon by you | $0.00 |
| Amount financed | $2,000.00 |
|---|---|
| APR | 19.90% |
| Term | 24 months |
| Monthly payment | $101.69 |
| Finance charges | $440.56 |
| Total of payments | $2,440.56 |
Illustrative only. APR reflects interest and lender fees. Your terms depend on the lender, your state and your credit profile.
Why people borrow
The most common reasons we see.
Car troubleA transmission or a set of tires that can’t wait for next month.
Medical and dental billsTurning one large bill into planned payments.
MovingDeposits, trucks and the first month’s overlap.
Consolidating balancesFolding several card balances into one payment.
Home repairsA water heater, a roof leak, a broken appliance.
Catching upUtility or phone bills that slipped behind.
Our fee to you
Zero, on every request, every time. Participating lenders pay Newton Simon when we connect you. That can influence which lenders you see, but it never raises your rate or changes your terms.
How we’re paidNewton Simon
Receipt · Loan matching service
The X-ray, in your pocket
The Newton Simon app takes your request, shows each offer’s full cost as a simple bar, and keeps track of the loan you choose.
- Offers drawn side by side, interest in plain view
- Due-date reminders for loans you accept
- Consents, data download and deletion in Settings
Encrypted
Sent over encrypted connections only.
Consent-based
Shared with lenders after you agree.
Opt-out ready
Stop sale or sharing any time.
Deletable
Erase your data from the app or by email.
Questions
More in our FAQ.
Is Newton Simon a lender?
No. Newton Simon is an advertising and loan matching company. We pass your request to participating lenders; they decide whether to make an offer, set the terms and fund the loan.
Is there a fee?
No. You pay us nothing. Participating lenders pay us for referrals, and that payment never changes the terms you are offered.
Does a request affect my credit?
A request through Newton Simon does not affect your credit score. If you go on to apply with a lender, the lender may check your credit, which can affect your score.
How much can I borrow?
Participating lenders offer $300–$3,500 with terms of 91 days to 30 months and APRs of 7.49%–35.99%. What you’re offered depends on the lender, your state and your profile.
Will I definitely get an offer?
No. Lenders make independent decisions, and some requests receive no offers at all.
How soon could I get funds?
If you accept an offer and sign with the lender, funding commonly takes one to three business days, depending on the lender and your bank.