Four steps to your rate.

We don’t require a minimum credit score — we quote everyone. Our underwriters look at the whole picture: income, debt-to-income ratio, banking history, and employment stability. Borrowers with strong credit qualify near our lowest APR (from 8.99%); borrowers with limited or no credit history are still considered and may qualify at the upper end of the range (up to 35.99% APR). Borrowers turned down by traditional banks often qualify through our underwriting.

No. We don’t pull your credit just to give you a rate quote. A specialist reviews your details first and walks you through your rate — no impact to your score at this stage. A credit check happens only later, once you decide to move forward.

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

APR ranges from 8.99% to 35.99% (fixed) based on your creditworthiness, loan amount, term, and verified income. Borrowers with excellent credit (740+) typically qualify near 8.99%; borrowers with limited or no credit history may qualify toward the upper end of the range. Your specialist reviews and confirms your rate before any credit check happens, so you see your real number before committing.

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.