Frequently Asked Questions
Last updated: 2026-08-18
Is this available in my state?
Not in every state. Our Lending Policy page lists current availability.
What does this cost?
Nothing to submit a request. Any fees on an offer you accept come from the lender and are disclosed before you agree to anything.
How much can I ask for?
Between $100 and $5000. Whether a lender can offer an amount in that range is up to them.
Is Phloxfin a lender?
No. Phloxfin passes requests to lenders in our network. Any loan, rate, or term comes from the lender you're matched with, not from us.
My credit isn't great. Is it still worth asking?
Often, yes. Lenders in our network set their own criteria, and some work with lower credit scores. There's no charge and no obligation to find out.