For life after the uniform

Lenders who count your service pay

VA disability and military retirement pay throw a lot of lenders off. We point you to the ones that treat it as the real income it is, so you can compare actual personal loan offers. Soft-pull check, no hit to your credit.

Not a VA loan or VA benefit · Unsecured personal loans only

What do you need funding for?

Pick a purpose to see options that fit.

Consolidate my debts

Roll several payments into one fixed monthly bill

Home & accessibility updates

Repairs, ramps, or aging-in-place projects

Medical or dental

Cover out-of-pocket bills and family health costs

Vehicle

Buy, refinance, or repair a reliable vehicle

Something else

Start with your goal and we'll take it from there

Checking your rate won't affect your credit score.

No credit impact

Soft pull to check

Service pay counts

VA disability & retirement

50+ lenders

Compare real offers

Funds in days

Once you're approved

Compare rates from lenders like

Three steps, no documents to start

Tell us your goal

Pick what the loan is for. About 30 seconds, and no documents to start.

Compare offers

See rates from lenders who get fixed compensation income. It's a soft pull only, so checking won't touch your credit.

Choose what fits

Look at the rate and the monthly payment, then move ahead only if it works on your budget.

“Most lenders had no idea what to do with my VA disability pay. Here it counted as income, and I could finally compare real offers.”

Daniel, Army veteran

“I'm on a fixed pension now. I wanted one payment instead of juggling three cards, and I checked without touching my credit.”

Rosa, Air Force veteran

“Still rebuilding since I got out. They showed me what I could actually qualify for, no runaround.”

Marcus, Marine veteran

Common questions

Do lenders count VA disability or military retirement as income?

Usually they do. Lenders in this network may consider income like VA disability compensation, military retirement, and pension pay when they review your options. Eligibility, rates, and amounts still depend on the lender and your credit, so nothing is guaranteed.

Will checking my options affect my credit score?

No. Checking uses a soft credit pull, which doesn't affect your score. A hard inquiry only happens later, if you decide to move forward with a lender and submit a full application.

Is this a VA loan or a VA benefit?

No. After Service Loans isn't a lender, and it isn't affiliated with the U.S. Department of Veterans Affairs, the Department of Defense, or any government agency. These are unsecured personal loans from private lenders — not a VA loan, not a VA benefit, and not a substitute for any benefit you earned.

Is this only for retired or disabled veterans?

No. It's built with post-service veterans in mind, whatever your status, but any veteran can compare options. The focus is on lenders who understand veteran income, not on a single rank.

What can I use a personal loan for?

Common uses are consolidating debt into one payment, home and accessibility projects, medical or dental bills, and a vehicle. You pick the purpose when you start.

You served. See what you qualify for.

No credit impact, no obligation. Compare options in about two minutes.