Questions Worth Asking
Before You Borrow

Four steps: 1 — Fill the form (~5 min): Name, address, DOB, SSN, employer, income, bank routing + account. Soft credit check only — zero score impact. 2 — Get a decision: Automated underwriting reviews credit, income, bank account stability. Returns in minutes. 3 — Review the full offer: See exact APR, every payment, total cost before committing. Required by TILA. No obligation to accept. 4 — E-sign and receive funds: Sign electronically. Funds arrive via ACH the next business morning.

Yes — and here's the nuance. Our network uses alternative data: income deposit consistency, employment tenure, and debt-to-income ratio alongside FICO score. A borrower with 560 score and 24 months of steady paychecks often qualifies over someone with 620 and irregular income.

Tradeoff is transparent: lower scores mean higher APR. Your exact rate is shown before you sign. Many borrowers borrow at 65–85% APR, see the full cost, and make an informed decision.

APR ranges from 24.9% to 99%. Your specific rate depends on: credit score (most significant), debt-to-income ratio, loan amount, term length, and which lender matches your profile.

Advertised 'starting from' rates reflect best-case scenarios. Your actual rate is shown before signing and must match what you're charged — TILA requirement.

No. Viewing your rate uses a soft inquiry — invisible to other lenders, zero score impact. Same type as checking your score on Credit Karma.

A hard inquiry only runs when you formally accept and e-sign. A single hard inquiry typically lowers a score by fewer than 5 points and fades within 12 months.

Four things: (1) Government-issued photo ID — driver's license or passport. Photograph on plain white surface, good lighting. (2) Bank account details — routing + account number. (3) Proof of income — two pay stubs (employees), bank statements (self-employed), or SSA award letter. (4) Social Security Number — required under Bank Secrecy Act. Transmitted over 256-bit encryption.

With docs ready: ~5 minutes. Without: 15–20 minutes.

Application fee: $0. Origination fee: 0%–8% (lender-specific, deducted from proceeds, included in APR, disclosed before signing). Prepayment penalty: $0 — pay off early any time. Late fee: up to $25 per missed payment. NSF fee: $15 if payment returned by bank.

We are a loan matching marketplace, not a direct lender. Your application is matched to licensed lenders most likely to offer suitable terms. You review a full offer from a specific named lender before accepting.

Data policy: shared only with matched lenders for application processing. We do not sell to third-party marketers. Governed by our Privacy Policy and Gramm-Leach-Bliley Act (GLBA).

The structure is what matters most:

Truth in Lending Act (TILA/Reg Z): Full APR, total finance charge, and payment schedule disclosed before signing. Rate on agreement must match what you were shown.

Equal Credit Opportunity Act (ECOA): No discrimination by race, sex, religion, age, marital status. Written decline reason within 30 days.

Fair Debt Collection Practices Act (FDCPA): Prohibits harassment and false statements in collections.

Gramm-Leach-Bliley Act (GLBA): Governs data storage and sharing.

Complaints: CFPB Complaint Portal →

Three things you can check right now: (1) NMLS: Search license #2847361 at nmlsconsumeraccess.org — federal registry. (2) BBB: A+ accreditation and complaint history public at bbb.org. (3) Trustpilot: 12,847 independent reviews — including 1-star reviews.

For most borrowers: funds arrive the next business morning via ACH deposit.

To qualify: complete and e-sign before 5:00pm CT on a business day. After 5pm CT processes the following business day. Weekend applications typically fund Monday or Tuesday.

Most banks post ACH by 7–9am. If funds aren't visible by noon on expected day, check with your bank first — then call us at (855) 355-5463.

Yes. No penalty.

Make extra payments or pay off the full balance at any time. Zero prepayment penalties across our entire lender network. Paying early reduces total interest — savings go entirely to you.

For a payoff quote: call (855) 355-5463 or log into your account. Payoff amount = principal + interest accrued through payoff date. No additional fees.

Example: $2,500 at 39% APR over 18 months. Pay off at month 9 = approximately $312 saved vs. completing the full term.