One short form goes to the lenders and lending partners in our network whose loans fit your purpose. Each reviews it and replies with its own terms. No cost to you.
That is the only question we ask.
Your request travels over an encrypted connection to the partners who review it.
A short form asks what the loan is for and hands you straight to the next step.
Fill it out once and reach multiple lenders and lending partners in our network.
Nothing is binding until you review a lender's own terms and choose to sign.
You fill it in once. We do the sending. Deciding is the lender's.
Name the purpose and tell us how to reach you. Nothing is signed at this point.
Lenders and lending partners in our network consider the request and decide whether to follow up.
Every offer is the lender's own, made after a review of your application. You are free to decline.
A single form covers any of these. Pick the closest one and carry on.
Balances rolled into one payment on a schedule. Whether it suits you depends on the terms offered.
Renovation work at home, without touching the equity in it.
A sudden repair, or buying privately where dealer financing does not reach.
One form is all it takes. The request goes in front of the lenders and lending partners in our network.
You are under no obligation before you sign. The choice remains yours.
No. Lyra Point is a comparison and referral service. We don't lend money, we don't approve or deny applications, and we don't set rates or terms. We connect you with lenders and lending partners who do.
We can't tell you, and we won't pretend to. Rates and terms are set by the lender after they review your application, and they depend on your credit profile, your income, your state, the amount, and that lender's own criteria. Anyone quoting you a number before you apply is estimating.
Nothing. We're paid by the lenders and partners in our network when we refer a customer. That's also why we can't claim to show you every lender in the market. We work with the ones we work with.
No. Nothing is binding until you review a lender's final terms and sign their loan agreement. You can walk away at any point before that.
We share what you submit with lenders and lending partners so they can evaluate your request and contact you. We don't sell it for purposes unrelated to your inquiry. The full detail is in our Privacy Policy.
Lyra Point, and the lenders or lending partners we connect you with. You can opt out of our marketing at any time through the unsubscribe link in any email, or by emailing optout@lyrapoint.com.
Lyra Point · 2120 South Reserve St, PMB #721, Missoula, Montana 59801
Lyra Point is not a lender, bank, credit union, or loan broker and does not make credit decisions or issue loans. We operate a comparison and referral service that connects consumers with third-party lenders and lending partners. We do not guarantee that you will be approved, that you will receive any particular rate, term, or loan amount, or that any lender will contact you.
We do not quote rates, terms, payments, or loan amounts. Nothing on this site is an offer of credit, a pre-approval, or a commitment to lend. All terms are determined solely by the lender after it reviews and underwrites your application, and they vary by lender, by applicant, and by state. Not all products are available in all states, and some lenders charge origination or other fees.
Applying with a lender may involve a credit inquiry, which can affect your credit score; the lender will disclose this to you. Late or missed payments may result in additional fees and can negatively affect your credit. Consolidating debt into a longer-term loan may lower a monthly payment while increasing the total amount repaid over the life of the loan.
We are compensated by lenders and partners in our network when we refer a customer. This compensation may influence which products appear and the order in which they appear. We do not represent every lender or loan product available in the market. Lyra Point does not provide financial, legal, tax, or credit-repair advice; consider speaking with a qualified professional about your situation.