Frequently Asked Questions

Applying is simple and takes just 2 minutes. Click "Apply Now" on our website, fill in your basic information, and you'll receive an instant decision. Everything is done online - no paperwork, no branch visits.

You'll need: a valid government ID (driver's license, state ID, or passport), proof of income (pay stubs or bank statements), your Social Security Number, and an active checking account. Most information can be verified electronically.

No. When you apply, we perform a "soft" credit check which does not impact your credit score. A "hard" credit check is only performed if you accept a loan offer and proceed with the application.

Most applications receive an instant decision within 60 seconds. In some cases, we may need additional information which could take a few hours. Either way, we'll keep you updated every step of the way.

We offer loans from $100 to $10,000. The amount you're approved for depends on factors including your income, credit history, and current financial situation.

If you're approved and accept your loan offer before 2pm EST on a business day, you could receive funds the same day. Otherwise, funds typically arrive within 1 business day.

You can use your loan for almost anything: emergency expenses, car repairs, medical bills, home improvements, debt consolidation, travel, or any other personal need.

Our APRs range from 9.9% to 49.9% depending on the loan type, amount, term, and your creditworthiness. Your exact rate will be shown in your personalized loan offer before you commit.

Repayments are automatically deducted from your bank account on your scheduled payment dates. You can also make manual payments anytime through your online account.

Absolutely! We encourage early repayment and never charge prepayment penalties. If you pay off early, you'll only pay interest for the time you've borrowed the money.

If you're struggling to make a payment, contact us immediately. We may be able to adjust your payment date, set up a payment plan, or explore other options.

Absolutely. We use bank-level 256-bit SSL encryption to protect all data transmitted through our website. Your personal and financial information is stored securely and never sold to third parties.

To apply, you must: be at least 18 years old, be a US citizen or permanent resident, have a regular source of income, have an active checking account, and have a valid email address and phone number.

Yes! We consider applications from people with all types of credit histories. Our Bad Credit Loans are specifically designed for those who've been turned down elsewhere.