What is Bapi?
Bapi is a loan offer marketplace. We show you real loan offers from multiple verified lenders in one place, so you can compare rates, terms, and amounts without opening a dozen tabs or filling out the same form over and over.
General
Is Bapi free to use?
Yes. Bapi is completely free to download and use. You can browse all available loan offers without paying anything. We earn a referral fee from lenders when you visit their page through our app — this never affects which offers you see or in what order.
Does Bapi lend money?
No. Bapi Finance LLC is not a lender. We're a marketplace — we show you offers from licensed third-party lenders, but we don't issue loans, set rates, or make approval decisions. All of that is handled by the lender you choose.
Who is Bapi for?
Anyone who needs a short-term or personal loan and wants to compare real options before committing. Whether it's your first time borrowing or you're looking for a better rate than last time, Bapi helps you see what's available quickly and clearly.
Loan offers
Do I need a credit check to see offers?
No. Browsing offers on Bapi requires no credit check. A credit check only happens if and when you decide to apply directly with a lender — and that's between you and them.
Why do different people see different offers?
Loan availability varies by state and lender. Some lenders operate only in certain states, and some offers are only available for specific loan amounts or terms. The offers you see reflect what's actually available in your area.
Are the rates I see guaranteed?
The rates shown are provided by lenders and reflect their current offerings. Final rates depend on your individual application and the lender's approval process. Always review the full terms on the lender's website before signing anything.
How do I apply for a loan?
Tap the offer you want in the app and you'll be taken directly to that lender's application page. Bapi doesn't handle the application — we hand you off to the lender and they take it from there.
Privacy & data
What information does Bapi collect?
We collect basic information you provide (name, email, phone, zip code) to show you relevant offers. We also collect standard app usage data. We don't sell your personal data to third parties. See our Privacy Policy for full details.
Does Bapi share my data with lenders?
We only share data with a lender when you actively choose to visit their page or apply. Browsing offers on Bapi doesn't automatically share your information with any lender.
Lenders
How does Bapi choose which lenders to list?
Every lender on Bapi is licensed and regulated. We review lenders before they appear in our marketplace to ensure they meet basic standards for transparency and legality. We don't list predatory operators or lenders with a history of deceptive practices.
Does Bapi get paid by lenders?
Yes. Bapi earns a referral fee when you visit a lender through our app. This is how we keep the app free for users. This fee does not affect which offers are shown, their order, or their ranking — all offers are displayed based on availability, not how much a lender pays us.
The app
Is Bapi available on Android?
Currently Bapi is available on iOS only. An Android version is in the works — if you want to be notified when it launches, reach out to us at support@bapifinance.com.
I have a problem with the app. Who do I contact?
Email us at support@bapifinance.com and we'll get back to you as soon as possible. For issues with a specific lender or loan application, contact that lender directly — Bapi isn't involved in the application process.