FAQs

How does the process work?

1. After you submit your application you will know immediately if you may be eligible for a loan.

2. Next, we’ll generate a loan agreement with all the details, including (but not limited to) interest rate, number of payments, payment amount, and total cost of loan for you to review.

3. Once you submit your loan agreement for our approval, our team will work quickly to verify key details and process your loan. As soon as your loan is approved, we’ll send a request to your bank to deposit your funds, unless you choose payment by check. We always aim for fast loan funding typically by the next business day.*

How much can I borrow?

First time borrowers can get approved for up to $500-40,000*. Rates and Terms vary by state.

Am I eligible for a loan?

We consider a variety of factors when making a decision on your loan. In addition to the information below, you must also meet our underwriting criteria to be approved for a loan or line of credit.

• You are at least 18 years old. (19 in Alabama.)
• You are not presently a covered borrower as defined by the Military Lending Act (“MLA”). The Military Lending Act prohibits loans to covered borrowers with a MAPR above 36%. At this time, a product is not available that meets the MLA requirements for covered borrowers. If you are not a covered borrower, you may qualify for a loan and are encouraged to apply.
• You have a regular source of income. If your income is from employment, you have been working for your current employer for at least 3 months.
• You have a traditional bank account in your name with 90 days of history.
• You receive your paychecks through direct deposit. (Due to state regulations, residents of New Mexico are exempt from this requirement.)

How will my loan be funded?

We work hard to offer you fast loan funding. Typically, your personal loan will be deposited in your account as soon as the next business day once your application is approved.*

* Approval may take longer if additional verification documents are requested. Not all loan requests are approved. Approval and loan terms vary based on credit determination and state law. Applications processed and approved before 7:30 p.m. ET Monday-Friday are typically funded the next business day.

Rates and terms vary by state.

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