How it works
From application to funded in a few simple steps
No storefronts, no paperwork mountains, and no surprise fees at the end.
1. Check your rate
Answer a few questions about yourself, your income, and how much you need. It takes about three minutes and does not affect your credit score.
2. Review your offer
If you qualify, you'll see your amount, APR, term, and exact monthly payment before you accept anything. No surprises later.
3. Verify and sign
Connect your bank account or upload documents so we can confirm your income, then sign your agreement electronically.
4. Get your funds
Approved and signed by 5pm ET on a business day? Funds are typically sent the next business day.
5. Repay and build
Fixed payments come out automatically on your schedule. We report on-time payments to the major credit bureaus, and there is never a penalty for paying early.
What you'll need
- • A valid government-issued ID and Social Security number
- • A regular source of income
- • An active checking account in your name
- • A working email address and phone number