Getting your loan is simple, fast, and straightforward. Follow our 4-step process to access the funds you need.
We've streamlined the loan process to make it as easy as possible for you
Begin your journey by completing our secure online application. The entire process takes just a few minutes and can be done from the comfort of your home, office, or anywhere with internet access.
Our application uses secure, encrypted connections to protect your personal information. We connect with banking data partners to streamline the verification process, making it faster and more convenient for you.
Time Required: Most applicants complete the application in 5-10 minutes.
Once you submit your application, our team begins the review process immediately. We evaluate your application based on several factors to determine your eligibility and the loan amount you qualify for.
We understand that time is important when you need financial assistance. That's why we've optimized our review process to provide decisions as quickly as possible while maintaining responsible lending standards.
Most applications receive a decision within one business day. In many cases, you'll hear from us much sooner. We'll contact you via email or phone with the outcome of your application.
If we need any additional information or documentation, we'll reach out to you directly. Responding quickly to these requests helps us process your application faster.
Congratulations on your approval! Once your loan is approved and you accept the terms, we move quickly to get your funds to you.
We use direct deposit to ensure your funds arrive safely and securely. This method is faster and more reliable than paper checks, and you'll have immediate access to your money once it hits your account.
Fund availability depends on your bank's processing times. While we initiate transfers quickly, some banks may take 1-2 business days to make funds available in your account. Transfers initiated on weekends or holidays will be processed on the next business day.
Once you receive your funds, you're free to use them for your intended purpose - whether that's covering an emergency expense, consolidating debt, or making a necessary purchase.
We've designed our repayment process to be as convenient and stress-free as possible. With automatic payments and flexible scheduling options, managing your loan is simple.
Setting up automatic payments ensures you never miss a payment, which protects your credit and helps you avoid late fees. You can manage your payment preferences anytime through your secure online account portal.
If your financial situation changes and you need to adjust your payment schedule, contact our customer service team. We're here to work with you and find solutions that fit your circumstances.
If you come into extra money and can pay off your loan early, you may save on interest charges. There are no prepayment penalties, so you're free to pay off your loan ahead of schedule whenever it makes sense for your finances.
Make sure you meet these basic requirements before applying
From application to funding - here's what to expect
Complete the online application form with your personal, income, and banking information. Takes 5-10 minutes on average.
Our team reviews your application and verifies your information. Most decisions are made within a few hours during business hours.
You'll receive notification of your approval status via email or phone. If approved, you'll be presented with your loan terms to review and accept.
After accepting your loan agreement, funds are deposited directly into your bank account, typically arriving the next business day.
Your first payment is scheduled based on your chosen payment frequency and income schedule, typically 7-30 days after receiving funds.
Choose the payment schedule that works best for your budget
All payments are processed via automatic ACH withdrawal from your designated bank account. This ensures your payments are always on time and eliminates the need to remember due dates. You'll receive email notifications before each scheduled payment as a reminder.
Common questions about our application and funding process
Start your application now and get a decision fast