— four steps —

How it works

GC Does Loans is a matching service — not a lender. From download to a lender decision, the flow below is what happens inside the iPhone app and on the creditor's site after we route you there.

  • Typical time A few minutes in the app; lender review may take longer
  • No matching fee We do not charge you to be matched
  • Your choice You decide whether to apply with any lender we show
01

Selecting the amount

After you open the app, the first screen is a loan amount selector. Use the slider to choose how much you are looking for — typically between $50 and $5,000 depending on what our network may support for your profile.

The amounts shown are illustrative ranges for matching purposes. They are not an offer, a pre-approval, or a promise that a lender will fund that exact figure.

In this step you

  • Set your target loan amount on the slider
  • See how the selection relates to common repayment ranges
  • Change the amount freely before moving on — nothing is submitted yet

What GC Does Loans does

We record your amount preference so we can route you toward lenders whose products may align with your request. We do not pull credit or make lending decisions at this stage.

02

Filling in the details

Next you enter basic contact and profile information — name, email, phone, and other fields needed to match you with participating lenders. The form is built for mobile: short screens, clear labels, minimal friction.

Submitting this step does not mean you have accepted a loan. It means you are asking us to identify creditors in our network who may be willing to review an application from you.

In this step you

  • Provide accurate contact details so a lender can reach you if you proceed
  • Confirm you meet basic eligibility (age, U.S. residency, supported device)
  • Review disclosures shown in the app before continuing

What GC Does Loans does

We use your information to facilitate matching with lenders and partners in our network. We may sell or share lead data as described in our Privacy Policy. You can opt out of future sales by emailing legal@gcdoesloans.com.

03

Transfer to creditor

When matching identifies a participating lender that may fit your request, you are redirected to that lender's own secure application — on their website or flow, not ours.

From this point forward, the lender's terms, privacy policy, and disclosures apply. GC Does Loans does not collect loan payments, service your account, or negotiate rates on your behalf.

In this step you

  • Review which lender you are being sent to
  • Complete the creditor's full application (income, employment, banking, etc.)
  • Read that lender's APR, fee, and repayment disclosures before accepting any offer

What GC Does Loans does

We hand off the connection. We remain available for questions about the matching service itself; for balances, due dates, or payoff quotes, contact the lender directly.

04

Creditor's decision

The lender — and only the lender — reviews your application, runs any credit checks it requires, and decides whether to approve you. If approved, the lender sets your APR, fees, loan amount, and repayment schedule in the agreement it presents to you.

Approval is never guaranteed. Many applications are declined based on credit history, income, state restrictions, or other creditor criteria. A decline from one lender does not always prevent you from applying elsewhere where permitted by law.

If you are approved

  • Funds are disbursed according to the lender's process (often to your checking account)
  • You repay the lender directly on the schedule in your loan agreement
  • Questions about payments, extensions, or payoff go to the lender's servicing team

If you are declined

You may receive an adverse action notice from the lender explaining the decision. GC Does Loans cannot overturn a creditor's underwriting outcome.

Before & after the four steps

— good to know —

Before you download

Confirm you are at least 18 (higher in some states), a legal U.S. resident with a valid SSN, and using an iPhone on iOS 15.0 or later. Lenders usually also require verifiable income and an active checking account.

View eligibility requirements →

What we never do

  • Issue loans or hold deposits
  • Set your interest rate or approve credit
  • Collect monthly payments on a loan
  • Guarantee that any lender will fund you

Rates, fees & examples

Across our network, personal loans often range from $50 to $5,000 with APR between about 4% and 35.99% depending on the lender and your profile. Origination or late fees, if any, are set by the creditor.

See rates & representative example →

Still unsure about matching, credit checks, or your data? Read the FAQ or contact us.