Question 1

Will checking my rate hurt my credit score?

Accepted Answer

No. Checking your rate uses a soft credit inquiry, which does not affect your score. A hard inquiry only happens if you accept an offer and move forward.

Question 2

How much can I borrow?

Accepted Answer

There is no fixed borrowing limit. Your approved amount depends on your income, your state, and your ability to repay. Apply to see what you qualify for.

Question 3

How fast will I get my money?

Accepted Answer

If you're approved and sign your agreement by 5pm ET on a business day, funds are typically sent the next business day.

Question 4

Do you charge fees?

Accepted Answer

There is no application fee, no origination fee, and no prepayment penalty. Interest is the cost of the loan.

Question 5

Can I pay off my loan early?

Accepted Answer

Yes, any time, and you'll only pay interest for the time you had the money. There is never an early payoff penalty.

Question 6

Do you report to credit bureaus?

Accepted Answer

Yes. We report your payment history to the major credit bureaus, so on-time payments can help you build credit over time.

Question 7

What if I can't make a payment?

Accepted Answer

Contact us before your due date. We can often adjust your payment date or set up an arrangement that works better for your situation.

Question 8

Do I need good credit to apply?

Accepted Answer

No. We look at more than your credit score, including your income and banking history, so many people with limited or damaged credit still qualify.

Questions, answered