Frequently Asked Questions
Last updated: 2026-08-18
Is Sprucesela a lender?
No. Sprucesela routes requests to lenders in our network. Any loan, rate, or term comes from the lender you're matched with, not from us.
My credit isn't great — worth a shot?
Often, yes. Lenders in our network each set their own bar, and some work with lower credit scores. No cost, no obligation to find out.
What's the cost?
Nothing to send a request. Any fees on an offer you accept come from the lender and are spelled out before you agree.
Is this available in my state?
Not everywhere yet. Check our Lending Policy page for current availability.
How much can I ask for?
Between $100 and $5000. Whether a lender can offer that amount is entirely up to them.