Funded in three simple steps
From application to ACH deposit, the whole process is built to be fast and transparent — most applicants are funded within 24 hours of signing.
Apply in minutes
Tell us how much you need and a few details about your income and housing. It takes about 3 minutes and won't affect your credit score.
Verify your details
Securely connect your bank so we can confirm your account, then e-sign your agreement. A specialist may call to confirm a few details.
Get funded
Once you're approved and verified, we send your funds by ACH — typically within 24 hours of signing.
Before you start
What you'll need
We use our own internal decisioning — there are no credit-bureau cutoffs and all credit tiers are welcome. You just need the essentials below to apply.
- A gross income of at least $1,000.00 per month
- A valid U.S. bank account (no prepaid cards)
- U.S. residency
- Basic ID to confirm your identity
Frequently asked questions
Every approved applicant receives the same fixed 10% APR. The rate does not vary by credit score, loan amount, or term.
Ready to get started?
Check your rate for a $2,000.00–$50,000.00 loan at a fixed 10% APR. It won't affect your credit score.