Frequently Asked Questions

Here's a list of questions we get asked a lot, if you don't see your question here please contact us

Questions? We’ve got answers

Need clarity? Here’s some things you might be wondering:

What do I need to apply? +
To apply for a personal loan, you’ll need to provide some basic information, including, Your full name, date of birth, and Social Security Number (SSN) for identity verification. Proof of income, such as recent pay stubs or bank statements, to demonstrate your ability to repay the loan. Contact details, including a valid email address, phone number, and physical address. Details of an active checking account where funds can be deposited and repayments can be made.
How long does it take? +
The application process is designed to be quick and hassle-free. Filling out the online form takes just a few minutes. Once submitted, your application is reviewed almost instantly. In many cases, you can receive a decision within minutes and, if approved, funds may be deposited into your account as soon as the next business day.
How much can I borrow? +
You can request a loan amount that suits your needs, with options ranging from small amounts to a maximum of $10,000. The exact amount you qualify for will depend on factors such as your income, credit history, and the lender’s criteria.
What costs are involved? +
Our lending partners offer transparent terms with no hidden fees. You’ll be provided with a clear breakdown of the interest rate (APR) applicable to your loan, any applicable fees such as origination fees, and the total repayment amount and schedule, so you know exactly what to expect.
Can I get a loan with bad credit? +
Yes, many lenders specialize in working with individuals who have less-than-perfect credit. While your credit score may impact the terms of the loan, having bad credit doesn’t automatically disqualify you.
What can I use the loan for? +
Personal loans are versatile and can be used for a variety of purposes. Consolidating high-interest debt. Covering unexpected expenses like medical bills or car repairs. Funding home improvements or renovations. Paying for special occasions like weddings or vacations.
Will applying for a loan affect my credit score? +
Submitting an application may result in a soft credit inquiry, which doesn’t impact your credit score. However, if you proceed with the loan, the lender may perform a hard inquiry, which could temporarily lower your score.
How do I repay the loan? +
Repayments are typically made in fixed monthly installments. These payments are automatically deducted from your checking account on the agreed-upon schedule, making it easy to stay on track.
Are there any penalties for early repayment? +
Most lenders do not charge prepayment penalties, allowing you to pay off your loan early without incurring additional fees. This can save you money on interest.
What happens if I miss a payment? +
If you miss a payment, you may incur late fees, and it could negatively impact your credit score. It’s important to contact your lender immediately if you’re unable to make a payment, as they may offer solutions like adjusting your repayment schedule.