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How It Works

Secure Application. Apply online through our secure end-to-end encrypted form to keep your data and privacy safe.

Compare Offers. A specialist reviews your options with you and gives you choices to fit your specific financial situation.

Get Your Loan. Be connected with your chosen lender who will get you funded as soon as possible.


Not a Broker or Lender: The role of Second Start Financial (“the website”) is to connect potential borrowers with lenders and financial service providers. Second Start Financial does not provide credit offers or solicit lending. The website and its operators solely offer a connection service and are not agents, representatives, or brokers of any lender. They do not make credit decisions and do not charge potential borrowers for any loan or product.


We Are Paid by Lenders, Lender Networks, and Other Advertisers: Second Start Financial offers a free, advertiser-supported loan connection service to consumers. Lenders in our network, along with other third-party lender networks we collaborate with, pay us if they offer you a loan after reviewing your information through our service. You will never be charged a fee for using our services to connect with a loan offer.

Always review all available options and never assume that a loan offer you receive is the best available to you. See our Ad Disclosure for more information.


Personal Information and Credit Implications: Second Start Financial may collect personal information you provide to submit to our lending partners. This is to obtain consumer report information from your credit profile, perform a credit check, verify your information (including social security number and/or driver’s license number), review your creditworthiness, prequalify you, and/or determine if you qualify for certain credit terms. You are not obligated to use this website to apply for credit or initiate contact with any lender.


Late payments or nonpayment of loans may result in additional fees, collection activities, or both, as well as negatively impact your credit score. Each lender has its own terms and conditions, so please review their policies for further information.


Availability: Residents of some U.S. states may not qualify for a loan due to specific lender requirements. Second Start Financial does not guarantee that submitting your information will result in a loan offer or an offer with the desired rates or terms. Many factors about you and your loan request will impact the terms of any loan offered. Always review all available options and never assume that a loan offer you receive is the best option available to you.

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