Not a chatbot. Not a FAQ loop. Real Certified Financial Planners who've spent careers inside the lending industry — available to answer your specific situation Monday through Friday, 8am–8pm ET.
General questions and application support.
[email protected]Response within 4 business hours
See live rate offers in 90 seconds. Free, no hard credit pull.
Check My Rate Free →Our pre-qualification step uses a soft credit inquiry, which is completely invisible to lenders and never affects your credit score. You only trigger a hard inquiry — which temporarily impacts your score by 2–5 points — when you formally apply with a specific lender after reviewing your offers.
Neither in the traditional sense. LoanPlacesApp is a comparison marketplace. We present offers from multiple licensed lenders in our network but do not originate, fund, or service any loans ourselves. We are compensated by lenders when you successfully obtain financing through them — at no cost to you.
LoanPlacesApp operates in all 50 US states. Lender availability varies by state — some lenders are licensed in 45+ states while others operate in a subset. When you enter your ZIP code, we filter to show only lenders licensed and actively lending in your specific location.
Pre-qualified rate offers typically appear within 90 seconds of submitting your information. If you proceed with a specific lender, formal approval decisions generally take minutes to hours for online lenders. Traditional bank underwriting takes 2–5 business days.