From the first question to funds in your account, here is exactly what happens.
Answer a few quick questions about the loan you want. No SSN needed yet.
~2 minSoft credit check only. Your score stays untouched until you decide.
~30 secE-sign and we send funds via ACH as soon as the next business day.
~24 hrsWe 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.
Soft check. Real answer. Then decide.
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