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FAQs

Are you a lender?

Yes, Granite Bay Acceptance Inc. is a consumer finance lender. We also work with additional lending partners to make up a network that can help you to find a loan. After submitting a request, if accepted, we will forward you to the lender's website where you will be able to learn more about your specific loan offer.

What is a Personal Loan?

Personal loans are generally loans without collateral (hence the name personal). Personal loans can be used for any purpose, but common uses include debt consolidation, credit card payoffs, etc. It may go without saying but personal loans should be used responsibly. Be sure to read the terms before accepting.

How does the process work?

1. After you submit your application, we will contact one of the lenders in our network that can help you to find a loan.

2. If your application is accepted, we will forward you to the lender's website where you will be able to learn more about your specific loan offer.

3. Next, the lender will 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.

4. Once you submit your loan agreement for approval, the lender's team will work quickly to verify key details and process your loan. As soon as your loan is approved, the lender will 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 $500-60,000*. 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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Advertiser Disclosure: This website offers a 100% free service that connects consumers with third-party lenders and partners. While this is a free service to consumers, third-party lenders or partners may provide the operator of this website with a referral fee for referring consumers to them. The offers available through this service do not include all financial services companies and do not include all products or services available. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each provider’s discretion.

Personal loan rate examples (for illustrative purposes only): a $10,000 loan at 4.89% APR with a term of 3 years would result in 36 monthly payments of $299 (Total repayable : $10,772) and a $10,000 loan at 9.99% APR with a term of 5 years would result in 60 monthly payments of $201.81 (Total repayable : $12,108.60).

Each state has specific rules and regulations that govern lending partners. The amount you can borrow, the APR, and repayment term are based on your state’s laws, the lending partner, and your creditworthiness.

The operator of this website is not a lender and does not make loans or credit decisions. This website will submit the information you provide to lending partners, who will first use a soft credit check(s) to assess your eligibility for a loan. There is no guarantee you will be presented with any personalized loan offers, or that upon presentation of any personalized loan offers you will qualify for the rates, fees, or terms shown on this site. Providing your information on this website does not guarantee that you will be approved for a loan.

If you receive a loan offer, it is imperative that you review the lending partners terms and conditions before proceeding with an application for a loan and please note, that at the point of application with the lending partner you may be subject to a full credit check.