How It Works

Four steps, no branch visit and no faxing. Most applicants finish in a single sitting, and nothing is owed until you e-sign an agreement that lists every dollar of cost.

1. Apply online, about five minutes

You will be asked for your name, address, date of birth, Social Security number or ITIN, income details and the checking account you want the funds paid into. The form saves as you go and works on any phone. There is no application fee and no charge for checking your rate.

2. Decision, usually within minutes

We verify your identity and income electronically, in most cases through a secure read-only connection to your bank that needs no documents from you. Checking your rate uses a soft inquiry, which does not affect your FICO® score. We weigh four things: your income, your existing monthly commitments, your banking history and your credit report.

3. Review and e-sign

Your offer is a full disclosure, not a summary. It shows:

• The amount you would receive, after any origination fee
• The APR, and the finance charge in dollars
• Every payment date and payment amount
• The total of payments over the life of the loan
• Late and returned payment fees, and the consequences of non-payment

Take as long as you need. Nothing is owed and no hard inquiry is made unless you accept.

4. Funding

If you e-sign…	Funds are sent…
Before 11:00 a.m. ET on a business day	The same business day
After 11:00 a.m. ET on a business day	The next business day
At a weekend or on a holiday	The next business day

Funds go by ACH to your checking account, or to your debit card where your issuer supports instant funding. When the deposit posts is controlled by your bank, which can be within hours or the following morning.

5. Repayment

Payments are drafted automatically on the dates in your agreement, matched to your pay cycle. You can pay extra or settle in full at any time with no prepayment penalty, and interest stops accruing the day the balance reaches zero. If a payment is going to be difficult, contact us before the due date: see trouble paying.

What you need to qualify

• 18 or older (19 in Alabama and Nebraska, 21 in Mississippi)
• At least $1,000 a month in verifiable income after tax, from wages, self-employment, benefits or a pension
• An active checking account in your name, open at least 30 days
• Government-issued ID and a Social Security number or ITIN
• Residence in a state where we are licensed

If we cannot approve you

You will receive an adverse action notice stating the specific reason, and you can reapply after 30 days. The most common reasons are income below our minimum, a checking account that is too new or has recent returned payments, an existing open loan with us, or living in a state we do not serve.