About us
One lender. No brokers. Full cost before you sign.
No broker network. No marketplace redirect. One lender — us — from the moment you apply through to your final repayment. Every offer comes with the complete cost before you decide.
Who we are
Built around one principle — borrowing made clear.
We set rates, make decisions and fund every loan we approve ourselves. No brokers, no middlemen, no surprises — you deal with us directly from application through your final repayment.
We operate across the United States in states where we are licensed. Availability depends on your state and the loan product you are requesting.
See how it worksWhat we promise every borrower.
These are the standards we hold ourselves to on every single loan we offer.
- Full cost disclosed before you sign — no hidden fees
- Direct lending — you deal with us from application to repayment
- Fast decisions — we review requests as quickly as possible
- Support at every stage — contact us any time during your loan
- Responsible lending — we only approve what fits your profile
Why borrowers choose Micropath Finance.
Micropath Finance is not a broker and not a marketplace. When you apply, we handle everything ourselves.
- We set our own rates and terms — not a third party
- We fund the loans we approve — directly to your account
- We operate only where we are licensed
- We review your full financial profile — not just your credit score
- We are here before, during and after your loan
Our mission
Borrowing should be straightforward.
No confusing terms, no surprise fees, no middlemen. We review your application, make a clear decision and stand behind every loan we fund. The best financial decisions come from having the full picture — and we give it to you every time.
- 01We review your application and make a lending decision — no third-party involvement.
- 02You receive the full offer — rate, APR, all fees, every payment date — before you commit.
- 03Once you sign, we fund the loan directly to your nominated bank account.
- 04We remain your point of contact for the life of your loan — questions, changes, early repayment.
Ready to borrow? Apply now ↗ or explore our loan products ↗.
Common questions
Frequently asked questions
Are you a lender or a broker?
We are a direct lender. We set the rates, review your application, make the lending decision and fund any loan we approve ourselves. Your application is not passed to a third-party network.
What products do you offer?
Personal loans, payday loans, paycheck advances, short-term loans, mortgage loans, medical loans, emergency loans and debt consolidation loans. Availability depends on your state.
Do you sell my personal information?
No. We use your information to process your application and administer your loan. We do not sell it to third parties.
How do you decide if I qualify?
We review your credit history, income, existing obligations and the amount requested. We look at your full financial profile — not just your credit score. Each application is assessed individually.
What will I see before I sign anything?
The complete offer: loan amount, the amount you receive, interest rate, APR, every fee, each payment date and amount, and the total repayable. Nothing is agreed until you sign.
Which states do you operate in?
We operate across the United States in states where we are licensed. Availability depends on the loan product and your state of residence. Confirm when you apply.