How It Works
From application to funding in as little as 24 hours — here's everything you need to know.
Do You Qualify?
While each lender sets its own criteria, most lenders in our network look for the following:
- At least 90 days of continuous employment or a verifiable steady income source.
- US citizenship or permanent residency, and be 18 years of age or older.
- A monthly take-home income of approximately $1,000 or more.
- A personal checking account in your name.
- Valid contact phone numbers (home and/or work).
- An active email address.
From Application to Funded
Our streamlined process removes all the usual friction so you can focus on what matters.
Submit One Form
Fill out our single secure form in minutes. Your information is immediately shared with our entire network simultaneously.
Get Matched
When a lender indicates they can work with you, they contact you directly and may request additional verification such as proof of income.
Receive Funds
After signing the loan agreement online, approved funds are deposited directly into your bank account — no branch trips needed.
Money Straight
to Your Account
After your selected lender has completed their review and you've signed the loan agreement online, the approved funds are deposited directly into your bank account. There are no branch trips, no check cashing fees, and no unnecessary delays.
We use bank-grade encryption to transmit and store your information. Your data is shared only with lenders in our vetted network.
Many lenders offer ACH automatic payments directly from your bank on each due date, keeping your payments on time.
Late Payments
Late payment terms vary by lender and may be subject to state regulations. Always read your loan agreement carefully. If you anticipate difficulty making a payment, contact your lender proactively — before the due date — to discuss your options.
Loan Extensions & Rollovers
Whether a loan can be extended or rolled over depends on both your lender's policies and the laws of your state. Some states permit multiple rollovers while others restrict or prohibit them entirely.
Loan Default
Failing to meet your repayment obligations may result in your loan being declared in default. Defaults can negatively affect your credit profile. If you're struggling, reach out to your lender immediately.
Ready to Get Started?
Our free marketplace connects you with lenders in minutes. There's no obligation to accept any offer.
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Takes only a few minutes. No obligations — our service is always free.