Frequently Asked Questions
Find answers to common questions about our loan products, application process, rates, and more.
Applying is easy! Click the "Apply Now" button, fill out our simple online application (takes about 5 minutes), and you'll receive a decision within 24 hours. No paperwork required to get started.
We work with borrowers across the credit spectrum. While our best rates are for scores 750+, we have options for scores as low as 580. Checking your rate won't affect your credit score.
Once approved and you've signed your loan agreement, funds are typically deposited into your bank account within 1-3 business days. Some loan types offer same-day funding.
No hidden fees! We believe in transparent pricing. All fees are clearly disclosed before you accept your loan. Most of our loans have no origination fees and no prepayment penalties.
Yes! We encourage early payoff and don't charge prepayment penalties. Pay off your loan anytime without extra fees, and you'll only pay interest on the time you had the loan.
Absolutely. We use bank-level 256-bit SSL encryption to protect your data. We're SOC 2 Type II certified and never sell your personal information to third parties.
For most loans, you'll need: proof of identity (driver's license or ID), proof of income (pay stubs or tax returns), and bank statements. Requirements vary by loan type.
Payments can be made online through your account dashboard, via automatic bank draft (autopay), by phone, or by mail. Autopay customers may qualify for a 0.25% rate discount.