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Choose your amount
Open the app and tap the amount you are looking for. No paperwork, no branch visit, no phone queue.
Money borrowing app
Borrow money instantly — straight from your phone
OnToPay is a borrow money app built for the moments that will not wait: a bill that landed early, a car that stopped working, a payday that is still five days out. One request, one place to compare what lenders in our network can do for you.
Encrypted request · no obligation to accept an offer
Why people trust OnToPay
Encrypted end to end
Your request travels over a secure connection and is stored on protected servers.
No data sold on
Details go only to lenders and partners working on your request — never to open marketplaces.
Nothing is automatic
An offer is an invitation, not a contract. You decide whether to accept it, and you can walk away.
How it works
Four steps from “I need money” to a real answer
The app to borrow money keeps the process short, so you spend minutes on it, not an afternoon.
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Fill in the short form
Answer a handful of questions about you, your income and your bank account. It takes a few minutes.
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See what lenders say
Your request goes to lenders in our network. Any lender that can work with you responds with its terms.
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Accept only if it fits
Read the rate, fees and repayment schedule in full. If the offer does not work for you, decline it.
Key benefits
What makes this money borrow app different
Everything in the app exists to answer one question faster: what can I actually get, and what will it cost?
One form, many lenders
Instead of applying site by site, you fill in a single request and let the network come back to you.
Answers the same day
Lenders in the network respond quickly, so you are not left refreshing an inbox for days.
Terms in plain English
Every offer arrives with its rate, fees and repayment dates spelled out before you commit to it.
Built for phones first
The whole flow — request, offers, documents — fits on the screen you already have in your hand.
Your data stays yours
We share what a lender needs to review your request — and nothing beyond that.
No pressure to accept
Requesting costs nothing and commits you to nothing. Walking away is always a valid answer.
Inside the app
A borrow money app you can read at a glance
Big type, clear amounts, one action per screen. The app is designed so you always know what step you are on and what happens next.
- Pick your amount from a simple grid — no sliders to fight with
- A progress bar shows exactly how much of the form is left
- Your request and its status live in one place
- Privacy Policy and Terms are one tap away, inside the menu
Security & transparency
What we do, and what we never do
Borrowing money should not come with surprises. Here is the honest version, in advance.
How your data is handled
- Your connection to this site and to the app is encrypted.
- We pass your details to lenders and lending partners so they can review your request.
- We do not sell your information to open data marketplaces.
- You can ask us to delete your data — see the Privacy Policy.
What it costs you
- Downloading the app and sending a request is free.
- OnToPay does not charge you a fee for connecting you with lenders.
- Interest, fees and the APR are set by the lender you choose, not by us.
- Every cost is disclosed by that lender before you sign a loan agreement.
Who can request
- You are a U.S. resident of legal age in your state.
- You have a regular source of income.
- You have an active bank account in your own name.
- Lenders apply their own criteria on top of these basics.
What we are not
- We are not a lender and we do not make credit decisions.
- We cannot promise approval, an amount, a rate or a funding time.
- Short-term credit is not a fix for long-term money problems.
- Full detail lives in our Disclosures.
FAQ
Questions people ask before they borrow
Still unsure about something? Send us a message and we will answer.
What is OnToPay?
OnToPay is the home of Borrow Money Instantly - Fundi, a money borrowing app for people in the United States. You tell the app how much you need, answer a short set of questions, and your request is shared with lenders and lending partners in our network. OnToPay is not a lender and does not decide whether you are approved.
Is the app free to download?
Yes. The app is free to download from Google Play, and submitting a request through it costs you nothing. If you accept a loan, the lender you choose discloses the interest, fees and repayment terms that apply before you sign.
How do I borrow money through the app?
Install the app, pick the amount you are looking for, and fill in the short request form. Your details are passed to lenders in the network, and any lender that can work with you responds with an offer you can read in full before deciding.
Will I definitely get an offer?
No. Not every request is matched with a lender. Whether you receive an offer, how much you are offered, and what it costs are decisions each lender makes using its own criteria and the information you provide.
How quickly can I get funded?
Funding speed depends on the lender you accept, when you sign, and how your bank handles incoming transfers. The lender tells you its funding timeline before you agree to anything, so you always know what to expect.
Does using the app affect my credit score?
Lenders decide what checks they run. Some perform a soft check that does not affect your score, while others may run a hard credit inquiry once you move forward with an offer. Each lender must tell you which checks it performs before you accept.
Who can use the app?
You need to be a U.S. resident of legal age with a regular source of income and an active bank account in your name. Individual lenders set their own eligibility rules on top of that, so requirements can differ from one offer to the next.
Is my personal information safe?
Your connection to us is encrypted, and your details are shared only with lenders and partners that can work on your request. We never sell your data on the open market. Read our Privacy Policy to see exactly what we collect and how you can ask us to delete it.
Is there an iPhone version?
The app is currently available on Android through Google Play. If you are on another device, you can still send your request from this website.
Ready to see what you can borrow?
Send your request in a few minutes and read every term before you decide. No cost to ask, no obligation to accept.