WILMINGTON, DE — Pennie has rolled out its income-focused loan matching technology to borrowers in all 50 states, a major nationwide expansion that aims to reshape how Americans are evaluated for personal and consolidation loans in 2026.
The company said the expansion makes its smart matching platform available nationwide, giving borrowers access to personalized loan offers based on income and ability to repay rather than rigid, credit-score-first models that often exclude qualified applicants. Pennie said its system has already delivered more than 350 million loan offers and processed over 200 million customer inquiries in 2024, with 32 million people funded through the platform to date.
Pennie’s matching engine evaluates income, employment stability, existing obligations and loan purpose to connect applicants with offers from a nationwide network of lenders. With the 2026 rollout, borrowers in every state can now access loan amounts of up to $250,000, with repayment terms of up to 10 years and starting annual percentage rates as low as 5.99%, depending on borrower profile and lender criteria.
Company officials said the platform is designed to reflect the financial realities of a changing workforce, including gig workers, educators, small business employees and retirees whose income may be steady but does not always fit traditional lending formulas.
Pennie uses soft credit inquiries at the offer stage, which do not affect a borrower’s credit score, and said it does not sell or share customer information. Borrowers review offers and communicate directly through the platform without being contacted by third-party marketers. The company also provides educational resources explaining key loan terms, including APRs, fixed payments and consolidation options.
According to Pennie, borrowers must be at least 18 years old with a valid U.S. address, Social Security number, verifiable income and an active bank account. The platform accepts a wide range of income sources, including W-2 employment, self-employment and freelance income, Social Security and disability benefits, retirement and pension payments, military pay and other documented income streams.
Pennie said the nationwide expansion ensures borrowers in every state now have access to the same income-driven matching technology, as demand grows for alternatives to traditional credit scoring. The company reported a 4.9 rating on Trustpilot, saying the response reflects broader interest in lending models that prioritize long-term affordability and repayment ability over a single credit metric.
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