How MyFairLending Works
Three straightforward steps to explore cosigner-backed fixed-rate financing options from $500 to $5,000 — completely free to you.
Three Steps to Your Options
No hard credit inquiry. No application fees. No obligation to accept any offer.
Select Your Financing Preferences
Choose your desired financing amount from $500 to $5,000 using our interactive selector, then enter your 5-digit US zip code to confirm that our matching service is available in your state.
No hard credit inquiry at this stage
Invite a Trusted Cosigner
A cosigner is a trusted friend or family member who agrees to jointly share responsibility for the financing agreement. Adding a qualified cosigner with a stable credit profile can unlock better fixed rates and higher available amounts — since lenders assess the combined creditworthiness of both applicants.
- › Stable employment and verifiable income
- › Responsible credit history (no recent delinquencies)
- › US resident, 18 years of age or older
Review Your Matched Options
Our system matches your prequalification profile against a verified network of alternative financing providers. You receive a curated set of options to review — each displaying the fixed rate, term length (24–60 months), and monthly payment estimate. You are under no obligation to accept any offer.
Fixed rate
Predictable payments
Term options
24 – 60 months
Max APR
35.99%
Ready to See Your Options?
Start your free prequalification check. Takes just a few minutes — no obligation, no hard credit pull.
Compare Options Now →Free to use • $500 – $5,000 range • Fixed-rate installment