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What you need for an online loan request

What you need for an online loan request

Guide · Updated November 6, 2026

An online loan request for $100 – $5,000 asks for four things: who you are, how you are paid, where the money would go, and how a lender can reach you. If those four are on hand, the request takes a few minutes on a phone and nothing has to be printed, scanned or mailed.

This guide walks through each one, explains why a lender wants it, and lists what you do not need. DigiCashRx is a loan connection service, not a lender: the request you send here goes to a network of lenders and lending partners, and each of them makes its own decision.

The four things on every request

1. Who you are

Your legal name, date of birth, home address and, in most cases, your Social Security number. Lenders use these to confirm you are a real adult resident of a state where they operate and to check your file with a credit bureau or an alternative data provider. Checking your options through DigiCashRx is a soft inquiry and won't affect your credit score; a lender you go ahead with may run a fuller check as part of its own process.

2. How you are paid

Your income source, roughly how much arrives each month, and how often. Lenders care about repayment ability more than any single number on a credit report. Regular pay from a job, self-employment, benefits or a pension can all count. Our guide on why lenders ask for direct deposit explains how deposits are read.

3. Where the money would go

A checking account in your name: the routing number and the account number. If a lender makes an offer and you accept it, that account is where funds would be deposited and, usually, where payments would be drawn from. Have a check or your banking app open, because guessing the routing number is the most common typing mistake in a request.

4. How to reach you

A mobile number and an email address you actually read. Lenders send the offer, the loan agreement and payment reminders to these. A number that goes to voicemail all day slows everything down.

What you do not need

Paper documents. Most lenders in the network verify income and identity electronically. A few may ask for a recent pay stub or bank statement by upload before they fund.
A perfect credit history. All credit types are considered. A thin or uneven file may mean fewer offers or different terms, but it does not stop you from sending a request.
Collateral. The loans lenders in this network offer are unsecured. Nobody asks for a car title or a deposit.
A visit anywhere. The request, the offer and the agreement all live on your phone.

Why a request asks before a lender decides

A request is not an application to one lender. It is one set of answers that several lenders can read at the same time. That is the point of a connection service: you write it once, and lenders who serve your state and your situation decide whether to make an offer. Submitting a request does not guarantee a match or an offer, and the amount a lender offers may differ from the amount you asked for.

Because lenders decide independently, two people with the same income can see different results. What you can control is accuracy. A typo in the routing number, a monthly income entered as a weekly one, or an old address are the three mistakes that most often turn a workable request into a silent one.

Three small things that help

Use the account your pay lands in. Lenders read deposit history; an account with no income flowing through it tells them nothing.
Enter income the way it is paid. If the form asks for monthly take-home, add up a month, not a single paycheck.
Keep the phone nearby. Some lenders text a code or call to confirm details before they send an offer. A missed call can mean a missed offer.

Questions people ask at this point

Do I need a job to send a request?

You need a regular source of income that a lender can verify. For many lenders that means employment, but self-employment income, benefits and pensions are also considered. The lender decides what it accepts.

Can I use a savings account?

Most lenders want a checking account because that is where payments are drawn from and where income usually lands. Ask the lender if you only have savings; some will work with it, many will not.

What happens to my details after I send the request?

They are transmitted over an encrypted connection to lenders and lending partners in the network so they can consider your request. Our privacy policy describes what is shared and how to opt out of sale or sharing. You can also use the Do Not Sell or Share page at any time.

Ready? The request lives on the home page and takes a few minutes. Checking your options won't affect your credit score, and there is nothing to pay for looking.

Start my request