Apply in ten minutes, get funded as fast as tomorrow
Here's exactly what happens from the moment you click "Check my rate" to the moment funds hit your bank account. No hidden steps, no surprises — just a clear timeline.
Check your rate
Fill in the quick form on our homepage with basic personal, income, and banking details. We run a soft credit inquiry that has zero impact on your FICO score and is invisible to other lenders.
- Name, address, date of birth
- Employment status and monthly income
- Bank account for ACH funding
- How much you'd like to borrow
Choose your loan
We show you real, personalized offers — not ranges, not estimates. Every offer includes exact APR, monthly payment, total interest cost, and the full payment schedule. Compare products side by side and pick what fits your budget. No obligation to accept anything.
- Exact APR (not a "starting from" rate)
- Fixed monthly payment shown
- Total repayment amount over the full term
- Every due date on the amortization schedule
Get funded
Once you accept, we run a hard credit inquiry, run identity and income verification, then trigger the ACH transfer to your bank. Applications completed before 11 a.m. ET on a weekday can qualify for same-day funding when your bank supports fast ACH.
- E-sign your loan agreement online
- Identity and income verification (usually automated)
- ACH transfer to your bank account
- Autopay set up (optional, saves 0.25% APR)
What you need to qualify
Simple requirements. We look at income and repayment ability — not just a credit score.
- 18 or older (19+ in AL, NE)You must be the age of majority in your state
- U.S. citizen or permanent resident with a Social Security NumberWe need to verify identity for regulatory compliance
- Live in one of 34 states we're licensed inNot licensed in CO, CT, DC, GA, IA, ME, MA, NY, PA, VT, WV, WY (yet)
- Regular monthly income of at least $1,200From employment, self-employment, benefits, or a combination
- Active bank account in your nameChecking or savings — needed for ACH funding and repayment
- Valid email and mobile phoneFor account updates, verification, and repayment reminders
Ready to see your real rate?
Two minutes to complete. Soft credit check with no impact to your score. See exact APR and payment before you accept.
Check my rate →