Frequently Asked Questions
Last updated: 2026-08-18
What amount can I request?
Between $100 and $5000. Whether a lender offers an amount in that range is decided independently by the lender.
Is this available in my state?
Not in every state. Current availability is listed on our Lending Policy page.
Is Sprucevara a lender?
No. Sprucevara is a referral service. We route your request to lenders in our network; approval, rate, and terms are set entirely by whichever lender responds.
Is there a cost to submit a request?
No. Any fees tied to an accepted offer are the lender's and will be disclosed by the lender before you agree to anything.
I've been declined by other lenders. Is this worth submitting?
Possibly. Lenders in our network apply different criteria, and some do consider applicants with lower credit scores. There's no guarantee of a response, and no cost to submitting a request.