Credible, is one of the most innovative online lending platforms in the country.  You will be provided multiple offers to preview prior to any commitment (that will not affect your credit) by our FDIC insured participating lenders, inclusive of amount, rate, term, etc. within 2 minutes of applying. Funds can be deposited within 1-7 business days in a bank account of your choosing. Finance from $1000-$100,000.  Though bank loans do not offer 0% apr terms, they can be paid off early and save interest with no prepayment penalties.