A smarter alternative to insurance
Stop paying
for maybe.
You've been paying premiums for decades — for accidents that may never happen. We think you should only pay when something actually does.
Say goodbye to all of these premiums
Auto
Home
Health
Dental
Vision
Travel
Life
Liability
Workman's Comp
Flood
Renters
Pet
Umbrella
Disability
Long-term Care
Farm & Ranch
Event
Business
Identity Theft
Boat
Building
Death
How it works
Three steps, zero red tape
01
An accident happens
Life throws a curveball — a car repair, a broken pipe, a medical bill. No need to file a claim or prove coverage.
02
We fund your need
Apply for an emergency loan up to $5,000. We pay the cost of your accident directly — fast, no insurance hoops.
03
You repay on your terms
Pay back in monthly installments over up to 3 years at 18% annual interest. We never report to the credit bureaus.
The deal
Simple. Transparent. Fair.
$5K
Max emergency loan amount
18%
Annual interest rate
3 yrs
Max repayment period
$0
Reported to credit bureaus
Repayment calculator
See your monthly payment
Loan amount
$2,500
Repay over
24 months
Monthly payment
$124
Total repaid
$2,976
Interest paid
$476