The service
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.
Do you work in my state?
That depends on which participating lenders operate where you live. In some states there may be no offers.
Offers and credit
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.
Why doesn’t my offer match the example?
The example is illustrative. Your offer reflects the lender’s own criteria and your credit, income and state.
Your information
Who receives my request?
Participating lenders and partners, and only after you submit it and consent. See our Privacy Notice.
How do I delete my data?
Use Settings in the app or email office@newton-simon.com. Lenders that already received your request handle their copies under their own policies.
How do I stop calls and texts?
Reply STOP to a text, unsubscribe from emails or contact us. Contact lenders directly to stop their messages.
After you borrow
Who do I pay, and who do I call?
Your lender. Its details are in your loan agreement.
What if I can’t make a payment?
Call your lender before the due date and ask about options. Our Borrow Wisely guide has more ideas.
Where can I complain about a lender?
Start with the lender, then your state financial regulator or the Consumer Financial Protection Bureau at consumerfinance.gov.