Wrench LoansCheck rate
Built for tradespeople and service pros

The job cannot wait for cash flow to catch up.

Compare loan options from 50+ lenders in about 2 minutes. Use the money for tools, materials, work vehicles, business growth, or debt consolidation with no credit impact to check.

50+
lenders
2 min
rate check
No
credit impact

Compare offers from trusted lending partners

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Why tradespeople check Wrench

One fixed payment can beat a pile of store cards and revolving balances.

Built for a quick phone check before the next job pulls in: can I see a useful funding option without hurting my credit?

Example debt stack

Revolving debt vs. payoff plan

Fixed term

Store card

24.9%

keeps revolving

Credit card

29.9%

minimums drag on

Fixed personal loan

one APR

one payoff date

Example only. Your actual APR, payment, loan amount, and term depend on your credit profile, income, and lender.

Built around the workday

Check rates between jobs, from the truck, or after the estimate.

Made for trade income

W-2, 1099, seasonal, and self-employed tradespeople can compare options without starting at a bank counter.

Useful money, not paperwork

Cover tools, materials, a vehicle repair, or a debt balance first. Many lending partners can fund as soon as the next business day.

Check without the credit hit

You can see personalized offers with a soft credit check. A hard pull only happens if you choose a lender and apply.

Real trade use cases

Tradespeople use Wrench Loans when timing matters.

Check my rate
“I needed a trailer and cordless tools before the next job kicked off. I checked rates from the truck and picked a fixed payment.”

Marco D.

Independent contractor

“Four cards became one payment. The big win was knowing exactly when it would be paid off.”

Tasha J.

HVAC technician

Straight answers

Questions tradespeople ask before checking rates

What is a personal loan?Toggle
A personal loan gives you a lump sum of cash that you repay in equal monthly installments over a set term — typically 2 to 7 years. The rate is fixed, so your payment doesn't change. No collateral required.
Will checking my rate affect my credit score?Toggle
No. We use a soft credit pull to show you real rates. Your score isn't affected. A hard pull only happens if you pick an offer and formally apply with a lender.
How fast can I get funded?Toggle
Most lenders in our network can fund as fast as the next business day once you accept an offer and verify your info. Funds go directly to your bank account.
What rates should I expect?Toggle
Rates depend on your credit profile, loan amount, and term. Our network offers rates from 5.99% to 35.99% APR. You'll see your actual options before committing to anything.
Can I qualify with 1099 or self-employed income?Toggle
Yes. Our lending partners evaluate self-employed and 1099 income. You'll typically need the last 1–2 years of tax returns or bank statements showing consistent deposits.

Two minutes. No credit impact. Back to the job.

Pick the reason you need funding and compare options from 50+ lenders.

Consolidate my debtsRoll multiple payments into one lower monthly billPay off credit cardsSwap high-interest balances for a fixed-rate loanTools or equipmentPower tools, trailers, compressors, or jobsite gearWork truck or vanRepair, replace, or keep your vehicle on the roadStart a trade businessFunding for a new contracting or service businessGrow my trade businessEquipment, materials, payroll, or expansionSomething elseA job expense, cash-flow gap, or another need

Tap one to continue. Checking your rate won't affect your credit score.