Fast & fair
A two-minute application and a decision in 24–48 hours. We weigh income and affordability — not just your score — so the answer reflects your whole story. See how it works for personal loans.
How it works
Funded in three honest steps
No paperwork mountains, no fine-print surprises. From your first rate check to money in your account, here's exactly what to expect — and how we keep every step clear and on your side.
The process
From application to deposit
Most applicants move from "just checking" to funded in only a few days. Here's how the three steps work in practice.
01
Apply online
Tell us how much you need, your preferred term, and a few basics about you and your income. The whole form takes about two minutes, and our soft rate check never affects your credit score. You can start your application or first estimate your payments to find a comfortable amount.
02
Get a decision
Within 24–48 hours, our US-based team reviews your application — looking at income and affordability, not just a number. You'll receive a clear, tailored offer showing your rate, term and monthly payment up front, with no hidden fees buried in the fine print. Review the full rates & terms before you accept.
03
Receive your funds
Accept your offer with a few clicks and we deposit the money straight into your bank account — typically within 1–2 business days. Repayment is in equal, predictable installments, and there are never any prepayment penalties if you choose to pay early. Explore the full range of products to find your best fit.
Before you start
What you'll need to apply
There's no mountain of documents. To check your rate and complete an application, you'll just need to confirm a few essentials:
- Be at least 18 years old
- Be a U.S. resident
- Have a steady source of income
- Have an active checking or bank account
- Have a valid government-issued ID
Why it's different
A process built around you
The same values run through every step — speed without pressure, clarity without jargon, and real people you can reach.
Flexible terms
Choose a term from 12 to 60 months with fixed, equal payments you can plan around. No prepayment penalties, ever. Model different terms with our loan calculator.
Real support
Our US-based team is a phone call away from your first question to your final payment. Reach us at (888) 640-9840 or [email protected].
Eligibility & affordability
Approval and your final rate depend on creditworthiness, income and applicable state or tribal law. Borrowers with less-than-perfect credit are welcome — see our bad credit loans for options starting at 15% APR. We only ever want to lend what you can comfortably repay, so please review our responsible lending guidance before you apply.
Good to know
Questions about the process
Does checking my rate affect my credit score?
No. Checking your rate uses a soft inquiry that never affects your credit score. You'll see your estimated rate and payment before you decide to move forward. Check your rate in about two minutes.
How long does a decision take?
Most applicants receive a decision within 24–48 hours of submitting a complete application. Once you accept your offer, funds are typically deposited within 1–2 business days.
What do I need to qualify?
You'll need to be at least 18, a U.S. resident with a steady income, an active bank account and a valid ID. Final approval and your rate depend on creditworthiness and income — see full details on rates & terms.
Can I pay off my loan early?
Absolutely. There are no prepayment penalties on our loans, so you can pay ahead or settle early to save on interest whenever it suits you. Ready when you are — start now.
See your rate in two minutes
Checking your rate is free and never affects your credit score. Find out what you qualify for today.