Home financing
Explain home-focused support, eligibility, and the next step.
Learn more →Clear options. Human guidance.
Financing built around your next move.
Compare practical paths, understand the details, and move forward with a team that keeps the process simple.
✓ Fast initial review
✓ Clear next steps
✓ No-obligation conversation
Get started
A simpler path to the right financing.
Tell us what you are working toward. We will help you understand the documents, timing, and options involved.
24hTypical first response
1:1Dedicated guidance
Ways we can help
Support for the decisions that matter.
Choose the type of support that best matches your next move.
Personal solutions
Present flexible options for important personal goals.
Learn more →Business support
Describe financing guidance for owners and growing teams.
Learn more →How it works
Four clear steps from question to next move.
01
Tell us your goal
Share the basics about what you need and your preferred timeline.
02
Review your options
We outline realistic paths and explain the tradeoffs in plain language.
03
Prepare the details
Gather the relevant information and organize the next steps.
04
Move forward
Choose the path that fits and continue with confidence.
✓
Straightforward answersClear explanations without unnecessary complexity.
✓
Personal supportA practical plan shaped around each situation.
✓
Transparent processVisible steps, expectations, and timing from the start.
Client stories
Helpful guidance, remembered.
★★★★★“Everything was explained clearly, and I always knew what came next.”
★★★★★“The team was responsive and helped me compare the options with confidence.”
★★★★★“A thoughtful, straightforward experience from the first conversation.”
Common questions
Answers before you get started.
How does cosigning with Ivy actually work?+
You find the loan or lender you want, and we add our signature to your application as a cosigner. That gives the lender additional assurance, which often turns a decline into an approval or a high rate into a fair one. You remain the borrower and make the payments; we're the backstop.
Which types of loans do you co-sign for?+
All of them: personal, student, auto, business, home and mortgage-related, debt consolidation, and medical or emergency loans. If your situation doesn't fit neatly into a category, tell us anyway.
You also offer personal loans directly — how is that different?+
With cosigning, the money comes from an outside lender and we stand behind you. With an Ivy personal loan, the funds come from us directly under simple, fixed, written terms. If one route is clearly better for you, we'll say which.
What does the application process involve?+
Choose whether you need a cosigner or a loan, share your name, contact details, loan type and approximate amount, then add any context. It takes a few minutes and there's no cost to apply.
How long does a decision take?+
Most applications receive a response within 24 hours. More complex files — mortgages or business financing — can take up to 48 hours, and we'll tell you if yours is one of them.
What are the requirements?+
Broadly: you're 18 or over, you have a valid government-issued ID, and you have a verifiable source of income. Thin or imperfect credit is not a disqualifier. Full details are in the Eligibility section above.
What happens after I submit?+
A specialist reads your file personally and contacts you by email or phone. If we can help, you'll receive terms in writing before anything is signed. If we can't, we'll explain why and, where possible, point you somewhere that can.
Ready when you are
Let’s talk about your next step.
A few details is all we need to start. There's no cost to apply and no hard credit pull to be reviewed.