Trusted by hundreds of thousands of users, SoLo lets you borrow money on your own terms or lend and reap the benefits in the form of a return or social impact. It’s never been easier. Join the SoLo community and leave other options in the past! Selected as one of Fast Company’s World Changing ideas in 2021, we continue to build a community that enables financial autonomy for all.

SoLo is supported by leading innovators and press such as Forbes, Techstars, and Money 20/20, as well as Visa, Kiva, and thousands of banking partners. Download now to start enjoying flexible access to capital or a new way to make a quick return on your extra cash.

-- Earn Money While Helping Others --

Lending on SoLo is a great way to make a social impact while also earning a return on your money. Use our data-driven SoLo Score or view another member’s transaction history to assess risk profile. We have the tools to help inform your lending decisions and create a balanced portfolio according to your risk and returns goals. After funding, SoLo takes care of the rest through automation and step-by-step updates.

“A model for lending that doesn’t screw over the consumer.” Techstars, Lesa Mitchell

-- Borrow Up to $500 On Your Own Terms --

Borrowers on SoLo enjoy fast, easy, convenient funding with 100% voluntary terms as it relates to costs and fees. By using SoLo responsibly, you’ll be able to increase your SoLo Score and the total amount you are able to borrow. We provide a structured community for individual lenders and borrowers to meet, and have created smart features like automatic paybacks to make sure your money requests are never late.

“Finally, An App For Borrowers Living Paycheck to Paycheck” - Forbes

-- Safe & Secure --

We take the safety of your personal information seriously and we are committed to protecting it. Our hosting provider is a Level 1 Service Provider under PCI DSS. At no point does SoLo ever store your online banking credentials. Additionally, each depositor's account held at our partner bank is insured for at least a balance of $250,000.

-- Free Education --

We believe that access to information is the key to building strong financial habits. Take courses, learn, and share this free resource with others. You can learn more at www.solofunds.com.

-- SUPPORT --

Email us at help@solofunds.com. We’re here to help!

SoLo does not offer payday loan products, broker, lend or make lending decisions. Our capital requests carry no mandatory fees and are one of several services provided to our members. Generally, your scheduled repayment date will be within your next predicted direct deposit but may be repaid manually in-app at any time with minimum and maximum repayment schedule up to 90 days, respectively. No SoLo loans have interest or mandatory fees and are provided at 0% APR with only a possible voluntary tip and donation paid in addition.

Representative cost example: a $100 average funds request paid back on the date you agreed to in-app would carry 0% interest and $0 in mandatory financing fees equating to 0% APR, the additional average donation of 6% and tip of 10% are not included in the cost of financing as this is not required to meet repayment obligation of the loan only the loan principal is required to meet the obligation of the loan as members can choose to not pay (tip/donation) at repayment.

• All loans have 0% interest - Minimum and maximum APR is 0%
• All loans have up to 90 days to pay in full until defaulted
• The early repayment schedule for a loan request can differ between members with all loans up to 90 days to pay in full until defaulted.