No branch visits. No faxing. No waiting days. Complete the entire process from your phone in under 5 minutes — and receive funds the next morning.
Here's exactly what happens — from the moment you click Apply to when funds hit your account.
No application fee · No hard credit pull · No commitment to accept
A closer look at what occurs in the background — so there are no surprises.
The form asks for: full legal name and address, date of birth, Social Security Number (for identity verification under the Bank Secrecy Act), employer name and income, bank routing and account number (for deposit and payments).
At this stage, only a soft credit inquiry runs. This is the same type used when you check your own score on Credit Karma. It is invisible to other lenders and does not affect your score.
Tip: Have your bank account number and last pay stub ready — this cuts 5–8 minutes off the process.Our automated underwriting system evaluates: credit score and history, income vs. monthly obligations (debt-to-income ratio), bank account stability, employment status and tenure.
A decision is returned in minutes. You'll receive a clear outcome — approved with offer, or declined with the reason (required by ECOA within 30 days).
All credit types considered. Income stability matters more than a single score.Before you sign anything, you see: exact Annual Percentage Rate (APR), every scheduled monthly payment, total cost of borrowing (principal + interest + fees), and the specific lender making the offer.
This disclosure is legally required under the Truth in Lending Act (TILA). You have the right to decline the offer with zero penalty. A hard credit inquiry only runs when you formally accept.
The rate on your agreement must match what you were shown. This is a TILA requirement.Electronically sign the loan agreement. If you sign before 5:00pm CT on a business day, funds are deposited via ACH direct deposit the following morning. Weekend and holiday applications typically fund the next business day.
Payments are automatic — debited monthly from the same bank account. You can pay off early at any time with zero prepayment penalty. Paying early reduces your total interest.
Average time: sign at 8pm → money in account by 7am next business day.Check your rate with zero impact to your credit score. A hard inquiry only runs when you accept and sign.
See APR, every payment, and total cost before committing. Required by TILA — not optional.
Same amount, same date, every month. You know the exact date your loan is paid off before you sign.
Pay off early any time. The savings go to you, not back to the lender.
Not days. Automated underwriting reviews income, credit, and bank account stability immediately.
Licensed lending specialists by phone Mon–Fri 8AM–8PM EST. Not bots. Not offshore scripts.
The application takes 5 minutes if you have these on hand. Without them, expect 15–20 minutes.
Driver's license or passport. Photograph it on a plain white surface, good lighting, before you start the form.
Routing number and account number. This is where funds are deposited and automatic payments are drawn from.
Two recent pay stubs (employees), or 2–3 months of bank statements showing regular deposits (self-employed, gig workers). SSA award letter for Social Security recipients.
Required for identity verification under federal law. Transmitted over 256-bit encrypted connection.
Complete the application in 5 minutes. No hard credit pull to see your rate. Funds as soon as tomorrow morning.
Begin My Application →