Questions, answered.

We have no minimum credit score. Our underwriters look at the whole picture: income, debt-to-income ratio, banking history, and employment stability. People turned down elsewhere often qualify here.

No. Checking your rate is a soft credit pull — invisible to other lenders, no impact on your score. A hard pull only happens after you accept an offer.

Loans range from $1,000 to $50,000. Most approvals fall between $5,000 and $25,000.

APR ranges from 6.99% to 8.99% based on your creditworthiness, loan amount, and term. We cap rates at 8.99% — we will never charge you more than that.

We charge zero origination fees. No application fee. No prepayment penalty. The only thing you pay is principal plus interest.

Most approved borrowers receive funds via ACH as soon as the next business day after signing.

Loan terms range from 24 to 84 months. You pick the term that fits your monthly budget.

Yes, anytime, with no penalty. Many borrowers pay extra each month to finish faster — you only pay interest on the remaining balance.

We use bank-level 256-bit encryption end-to-end. Your personal information is never sold or shared with third parties beyond what is required to process your loan.

Yes. Nationwide Loans, Inc. is a state-licensed direct lender. Our NMLS number and state license details are listed in our footer.

Call us first. We have hardship programs that can defer or restructure payments. We do not pile on late fees or send accounts to collections without trying to help you first.

We currently lend in 48 states. Residents of those states can apply directly through our verification page.