Loan offers matched to you.
Get custom loan offers from our preferred partners, right in the Carlos app. Offers refresh, so you can check for new ones every day.
Your offers
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What is Credit Finder?
More ways to borrow, in one place
Custom to you
Offers matched to what you need, not a one-size-fits-all list.
Preferred partners
Offers come from lending partners we work with.
Refreshed daily
Offers change over time, so there’s something new to check each day.
How it works
Step 1
Tell us what you need
Answer a few quick questions in the app.
Step 2
Get matched
We connect you with offers from our partners.
Step 3
Compare your offers
Review the details and pick what works for you.
Step 4
Check back daily
New offers can show up any day.
Beyond InstaBucks
When you need a little more
InstaBucks gets you to payday. Credit Finder helps when you need more funds or want other ways to borrow.
- You need more than InstaBucks covers
- You’re looking for more ways to borrow
- You want to consolidate what you owe
- You’re planning a bigger expense
New day, new offers
Offers from our partners refresh regularly. Didn't see the right fit today? Check back tomorrow.
Good to know
Offers come from partners
Carlos isn’t the lender. Partners make the offers and set the terms.
Terms vary
Amounts, rates, and terms depend on the partner and your profile.
Credit checks may apply
Some partners may check your credit before making a final offer.
Availability varies
Offers aren’t available in every state.
Questions about Credit Finder
What is Credit Finder?+
Credit Finder is the part of Carlos that connects you with custom loan offers from our preferred lending partners.
How is it different from InstaBucks?+
InstaBucks is a small amount from Carlos to get you to payday. Credit Finder connects you with partner loans, which can help when you need more.
How often do offers change?+
Offers refresh regularly, so you can check for new ones every day.
Does Carlos charge for Credit Finder?+
No. Carlos doesn’t charge you to see or compare offers. Any fees or interest come from the partner and are shown in their offer.
Will checking offers affect my credit?+
It depends on the partner. Some may check your credit, and they’ll tell you before they do.
Carlos is not a lender or a broker and does not make loan offers. Credit Finder lets you submit your information to our network of lending partners to see if they may be able to make you an offer. Actual amounts, terms, and APRs vary based on your credit, each partner's requirements, and state law. Not all partners offer the same amounts. Services are not available in all states. Some partners may check your credit.
See your offers today.
Download Carlos and check Credit Finder for offers from our partners.