FreeQuotes.Loans will connect you with lenders who will pay you the money if they approve your request. FreeQuotes.Loans does not directly pay you money. The most common delivery methods is ACH direct deposit into your checking account. An ACH transaction is one that places the funds directly into your bank account so that you can have access to them quickly. Many lenders will use the same bank account to deduct the repayment funds on the appropriate dates.