Frequently Asked Questions
How quickly can I get a loan?
Most approved applications receive funding within 1-2 business days. The exact timing depends on your bank's processing time and when you complete the application.
What are the requirements to qualify?
To qualify for a loan, you must be at least 18 years old, have a valid bank account, provide proof of income, and meet our credit criteria. Specific requirements may vary by lender.
Will checking my eligibility hurt my credit score?
No, checking your eligibility will not impact your credit score. We only perform a soft credit check to show you available options. A hard credit check may occur if you proceed with a specific lender.
What loan amounts are available?
You can request loan amounts between $100 and $5,000. The exact amount you qualify for depends on your income, creditworthiness, and state regulations.
How do I repay my loan?
Repayment is typically done through automatic bank withdrawals on your due date. You can also make payments online or by phone. Early repayment is allowed without penalties.
What if I can't make a payment on time?
If you're having trouble making a payment, contact your lender immediately. Many lenders offer payment extensions or alternative arrangements. Late fees may apply, so it's important to communicate early.
Is my personal information secure?
Yes, we use bank-level encryption (256-bit SSL) to protect your personal and financial information. We never sell your information to third parties and only share it with lenders as necessary to process your application.
Can I apply if I have bad credit?
Yes, we work with lenders who consider applicants with various credit backgrounds. While credit history is a factor, we also consider your income and ability to repay the loan.