Age requirement
You must be at least 18 years old (19 in Alabama and Nebraska; 21 in Mississippi and Puerto Rico where applicable).
— who can apply —
Eligibility
Basic requirements to use the matching service. Meeting them does not guarantee a loan offer from any lender.
U.S. residency
Applicants must be legal U.S. residents with a valid Social Security number and U.S. address.
iPhone only
The app requires iOS 15.0 or later. Android and web-only applications are not supported at this time.
Active checking
Lenders typically require an open checking account in your name for deposit and repayment.
Income source
Verifiable income — employment, self-employment, or benefits — is usually required by participating lenders.
Valid identification
Government-issued ID and contact information must match your application details.
Good to know
— beyond the basics —
What we don't decide
GC Does Loans is a matching platform, not a lender. We do not run credit checks for lending decisions, approve or decline applications, or set interest rates.
Each lender in our network applies its own underwriting rules, pricing, and approval standards — we only help you reach the right creditor.
State availability
Lender participation varies by state. Some loan products may not be offered in every jurisdiction because of local licensing or rate caps.
If matching is unavailable where you live, the app will let you know before you complete a full lender application.
Credit impact
Submitting information through GC Does Loans is not the same as a final loan application. When you continue with a lender, that creditor may run a soft or hard credit inquiry depending on its process.
A hard inquiry can appear on your credit report. Review each lender's disclosures before you proceed past the matching step.
Questions about rates or fees? See Rates & Fees or the FAQ.