Rent or housing costs
Cover rent, deposits or moving costs when cash flow is tight between pay cycles.
Submit one short request. Compare offers from licensed lenders.
BI Finance VP shares the information you submit with a network of licensed third-party lenders. Eligible lenders return pre-qualified offers from $50 to $5,000 across Small Loan, Cash Advance and Personal Loan products, which you review side-by-side in the app. Final approval, APR and repayment terms are determined by the lender — not by us.
At a glance
A clear picture of what to expect — before you apply.
BI Finance VP routes requests to a network of licensed personal loan partners. Loan amount, term length and Annual Percentage Rate (APR) are set independently by each lender based on its own underwriting and applicable state law.
Loan amount
$50 – $5,000
Across Small Loan ($50–$500), Cash Advance ($50–$1,000) and Personal Loan ($50–$5,000) products.
Repayment term
70 days – 36 months
Exact schedule is set by the lender on the final offer.
APR range
4% – 35.55%
Per in-app eligibility disclosure. Final APR is set by the lender.
How it works
From a single request to side-by-side lender offers.
Each step is performed inside the BI Finance VP app. We tell you what we collect, why we collect it, and where it goes — at the moment it happens.
01
Install & create an account
Download the app and verify your phone number via a one-time SMS code. You agree to the Terms of Use and Privacy Policy at this step.
02
Submit your request
Pick a product (Small Loan, Cash Advance or Personal Loan), choose an amount between $50 and $5,000, and complete the short identity, employment and bank information form required by lenders.
03
Get matched with lenders
We share your information with licensed partner lenders. Eligible lenders may run a soft credit inquiry — this does not affect your credit score — and return pre-qualified offers.
04
Compare & proceed
Review offers side-by-side in the app. If you accept one, you continue directly with that lender, who issues the binding APR, fees and repayment schedule before you sign.
Representative example
An illustrative cost of credit — so you can compare honestly.
The figures below are illustrative only and do not constitute an offer. Your actual APR, fees and total cost are determined by the lender after underwriting and presented to you in a written disclosure before you sign.
- Total interest
- $269.44
- Total repayment
- $2,269.44
Monthly payment
$189.12
Principal$2,000.00
APR24.00%
Term12 mo
Interest$269.44
Total$2,269.44
Illustrative only — not an offer. Additional fees that may apply, set by the lender: origination (commonly 1%–8% of the principal; e.g., $100 at 5%), late-payment and returned-payment fees. Some lenders charge no origination fee. Final terms are set by the lender in writing before you sign.
APR & terms
What you'll typically see in the offers.
Personal loan terms vary by lender, by your credit profile and by your state of residence. Some states cap APR for small-dollar loans; the offers you see will reflect those limits.
Loan amount
$50 – $5,000
Small Loan up to $500 · Cash Advance up to $1,000 · Personal Loan up to $5,000.
Repayment term
70 days – 36 mo
Fixed scheduled installments, set by the lender.
APR range
4% – 35.55%
Final APR depends on lender, profile and state.
Typical fees
Origination · Late
Fully disclosed by the lender before signing.
Figures above reflect the eligibility disclosure shown inside the BI Finance VP app. Submitting a request is free and does not commit you to anything. Approval is not guaranteed. We do not set interest rates, fees, or credit decisions — those are determined solely by the lender extending the offer.
Where your information goes
Transparency about how your data is shared.
BI Finance VP operates a lead-generation service. We do share, and in some cases sell, personal information to the recipients below for the purposes shown. You can review the full categories, retention periods and your opt-out rights in our Privacy Policy.
Lender partners
Licensed personal loan lenders
To match you with potential offers. Each lender independently decides whether to extend a pre-qualified offer.
- Identifiers, contact & bank details
- Income & employment
- SSN / ITIN for soft credit inquiry
Identity & KYC
Identity verification providers
To confirm you are who you say you are, prevent synthetic identity fraud and comply with applicable law.
- Name, DOB, address, SSN/ITIN
- Government ID data, when collected
- Device & signal data
Service providers
Hosting, analytics & fraud prevention
Vendors that help us run the platform, analyze how the app is used, and detect or prevent abuse and fraud.
- App usage & technical data
- Device identifiers
- Limited account data, as needed
Marketing partners
Financial product marketing
We may sell or share limited information with marketing partners that promote related financial products. You can opt out at any time.
- Contact details
- Match preferences
- Do Not Sell / Share opt-out
Credit inquiries
Soft inquiry first. Hard inquiry only if you accept.
We design the matching flow to keep impact on your credit profile minimal until you choose to move forward with a specific lender.
Pre-qualification
Soft credit inquiry
Performed when lenders evaluate whether to extend a pre-qualified offer through BI Finance VP.
Does not affect your credit score
A soft pull is not visible to other lenders and does not impact your score.
Lets you compare without commitment
You can review pre-qualified offers side-by-side and walk away if nothing fits.
Triggered by your action
Only initiated after you submit a request and authorize the soft inquiry.
Final offer
Hard credit inquiry
Performed by the lender after you accept a specific offer and authorize the formal application.
May have a small, temporary impact
Hard inquiries can lower your score by a few points and remain on your report for up to two years.
Run by the lender, not by us
BI Finance VP does not perform the hard inquiry. The lender does — directly with you.
Requires your explicit consent
You authorize the hard inquiry only when you formally apply with a specific lender of your choice.
Inside the app
A focused, transparent flow on iPhone.
Verification, KYC, the loan amount picker, the no-offer state and support — all built to be readable, calm and honest about what is happening at each step.
Step 01
We confirm it's you before anything else.
A short verification step ensures the request actually belongs to you. Nothing leaves the app yet.
Step 02
You see exactly what we collect.
Name, contact, address, SSN — the same fields a lender would ask for, in one place, on your terms.
Step 03
You pick the amount and the product.
Small Loan, Cash Advance or Personal Loan — from $50 to $5,000, with APR and term ranges visible upfront.
Step 04
A clear receipt when the request goes out.
You see the exact moment your request is shared with the partner lender network.
Step 05
If no offer matches, we tell you.
No misleading messaging. You see honest status, and support is one tap away.
Common loan purposes
Reasons people consider a personal loan.
Personal loans matched through BI Finance VP can be used for a range of purposes, subject to each lender's own product rules.
Common purposes
Medical expenses
Unexpected bills or out-of-pocket care. Not a substitute for insurance coverage.
Home repairs
Fix essentials — plumbing, HVAC or safety issues that cannot wait.
Education costs
Tuition, books or certification fees when timing matters for your goals.
Travel
Planned trips or urgent travel when you need payment flexibility.
Other personal needs
Everyday expenses that do not fit one category. Lender product rules still apply.
Your rights & controls
You decide what happens with your information.
Federal law (FCRA, GLBA) and state law (including the CCPA / CPRA in California) give you specific rights over your personal information. We honor those rights for all users — not only Californians.
01 / Access & correction
Know what we hold
Request a copy of the personal information we have collected about you, or correct it if it's inaccurate.
Read the policy02 / Do Not Sell or Share
Opt out of selling & sharing
Tell us not to sell or share your personal information with marketing partners. We honor opt-outs for all U.S. residents.
Submit a request03 / Stop & delete
Close your account
Stop receiving lender matches and request deletion of your data, subject to legal retention requirements disclosed in our policy.
Retention details
Compliance markers
What we commit to — clearly stated.
We publish concrete commitments — not buzzwords. Each item below maps to a specific obligation in our Privacy Policy or Terms of Use.
TLS 1.2+ in transit
Encryption in transit; encryption at rest for sensitive fields.
Not a lender
We do not issue loans or set rates. Loan terms come from the lender.
Soft inquiry at pre-qual
Hard inquiry is performed by the lender only after you accept.
Compensation disclosed
We earn referral fees from lender partners; details in the Privacy Policy.
Answers
Frequently asked questions.
If you can't find what you need below, our team is reachable by email Monday–Friday, 8:00 AM – 8:00 PM Central Time.
No. BI Finance VP LLC operates a loan-matching / lead-generation platform. We do not issue loans, set interest rates, or make credit decisions. We share your information with licensed partner lenders. Any final approval, APR, fees and repayment terms are determined by the lender that extends the offer.
After you submit a request, we share your information with lenders in our partner network whose criteria may match your profile. Each lender independently decides whether to extend a pre-qualified offer. You can review the offers side-by-side and choose any, all, or none. Order may be influenced by lender compensation, which is disclosed in our Privacy Policy.
Pre-qualification through BI Finance VP uses a soft credit inquiry, which does not affect your credit score. A hard credit inquiry — which may have a small temporary effect on your score — is performed by the lender only after you accept a specific offer and authorize it directly with that lender.
The app currently offers three matching products: Small Loan ($50–$500), Cash Advance ($50–$1,000) and Personal Loan ($50–$5,000). Repayment terms range from 70 days to 36 months, and APRs typically vary between 4% and 35.55%, depending on lender, credit profile, amount and state of residence. The exact APR, fees and repayment schedule are disclosed in writing by the lender before you sign anything.
The app is free to use. BI Finance VP receives compensation from lender partners when users are matched and connected through the platform. Compensation may take the form of referral fees, per-lead fees, or revenue share, and can influence the order in which offers are displayed. It does not change the loan terms set by the lender.
BI Finance VP operates a lead-generation service. We share — and in some cases sell — personal information to lender partners and select marketing partners for the purposes described in our Privacy Policy. You can opt out of the sale or sharing of your personal information at any time through the "Do Not Sell or Share" link in our Privacy Policy.
The platform is intended for lawful U.S. residents aged 18 or older (or the age of majority in your state) who can enter into binding agreements, and who have a valid SSN or ITIN, an active U.S. bank account, and a verifiable source of income.
Use the in-app support form, or email [email protected]. You can request to stop receiving lender matches, opt out of marketing communications, exercise your privacy rights, or close your account at any time.
Ready to compare offers?
One request. Side-by-side lender offers. Clear costs before you sign.
Install BI Finance VP on iPhone, complete the short request, and review any pre-qualified offers returned by our partner lender network. Submitting a request is free and creates no obligation.
BI Finance VP LLC is not a lender. Pre-qualification uses a soft credit inquiry that does not affect your credit score. Approval and final terms are determined by the lender. Compensation from lender partners may influence the order in which offers are displayed.