Frequently Asked Questions
Last updated: 2026-08-18
Is this available in my state?
Not universally. The Lending Policy page lists where this currently isn't available — worth a quick look first.
Will sending a request affect my credit?
Not on its own. If a lender you're connected with runs a credit check, that's their process — see Credit Authorization for details.
How much can I actually request?
Anywhere from $100 to $5000. Whether you're offered anything in that range is up to the lender's own criteria.
Does it cost anything to send a request?
No. If you accept an offer, any fees tied to it are the lender's and will be shown to you before you agree to anything.
Does Spruceniva lend money directly?
No. Spruceniva routes your request to lenders in our network — approval, rate, and terms are entirely their call, never ours.