How It Works | Arrowhead Advance - Simple 3-Step Loan Process

Simple Process

Your Path to Fast Cash

Arrowhead Advance makes getting emergency funds quick and easy. No complicated paperwork, no long waits.

1

Apply Online

Complete our secure online application in about 2 minutes. Just provide basic information about yourself, your job, and your bank account.

2

Get Approved

An Arrowhead Advance loan specialist reviews your application and contacts you with a decision — often the same day you apply.

3

Receive Your Funds

Accept your loan terms, sign electronically, and get money deposited directly to your bank as soon as the next business day.

Step 1

Complete the Online Application

The Arrowhead Advance application is quick, secure, and completely online. You'll need to provide:

Personal Information: Name, address, date of birth, Social Security Number
Contact Details: Email address and phone number
Employment Info: Employer name, income amount, pay frequency
Bank Account: Routing and account numbers for direct deposit
Loan Request: How much you'd like to borrow

The entire application takes about 2 minutes to complete. Your information is protected with 256-bit SSL encryption.

Step 2

Review & Approval Process

After you submit your application, here's what happens:

Application Review: An Arrowhead Advance specialist reviews your information
No Traditional Credit Check: We don't check Equifax, Experian, or TransUnion — your FICO score isn't affected
Verification: We may verify your employment and bank account
Decision: You'll receive an approval decision, often the same day
Loan Offer: If approved, you'll receive loan terms including the amount, APR, payment schedule, and total cost

Review your loan offer carefully. All rates and fees are disclosed upfront — no hidden surprises.

Step 3

Get Your Money

Once you accept and sign your loan agreement:

Electronic Signature: Sign your loan documents securely online
Direct Deposit: Funds are sent via ACH to your bank account
Fast Funding: Money typically arrives the next business day
Confirmation: You'll receive email confirmation of your funded loan

Note: Applications submitted on weekends or holidays are processed the next business day. Funding times depend on your bank's processing speed.

Requirements

What You'll Need to Apply

Be 18+ Years Old

You must be at least 18 years of age and a U.S. citizen or permanent resident.

Active Bank Account

You need a checking account in your name for direct deposit of funds and automatic payments.

Regular Income

Proof of steady income from employment, self-employment, benefits, or other regular sources.

Contact Information

Valid email address and phone number so we can reach you about your application.

View Full Requirements

Repayment

How Repayment Works

Arrowhead Advance offers installment loans, which means you repay over time rather than all at once like payday loans.

Scheduled Payments: Payments are automatically debited from your bank account on scheduled dates (typically aligned with your paydays)
Flexible Terms: Choose repayment terms from 3 to 12 months depending on your loan amount
Early Payoff: Pay off your loan early anytime with zero prepayment penalties — and save on interest
Payment Reminders: We'll send reminders before each payment is due
Online Account: View your balance, payment history, and upcoming payments online

If you're having trouble making a payment, contact Arrowhead Advance customer service before your due date. We may be able to work with you on a solution.

How Arrowhead Advance Works