How It Works

Our online loan request process is designed to connect you with a lender or financial service provider from our network that can work for you. If approved, you can receive the money you need as fast as the next business day. You will then have anywhere from 6 to 60 months in which to repay your loan, depending on the terms provided by your lender. The entire process is quick and convenient and works in these easy steps: You fill out the loan request form here on our website, including how much money you would like to borrow, your credit type, and loan reason. The form will also require you to provide some basic personal, banking, and income information. Your loan request is reviewed by the network of lenders and financial service providers we work with. If approved, you’ll be redirected to a lender’s loan agreement, where the lender will make their terms and conditions clear, including the amount you will need to repay and the repayment time frame. Make sure you understand all the key elements to your loan agreement, including the loan interest rate as well as the repayment terms before accepting the lender’s offer. If you agree to a lender’s terms, the funds can in most cases be deposited via ACH directly into your bank account. The exact amount of time it takes for your funds to reach your account will depend on the time of loan approval as well as the lender you work with, but in all likelihood you will receive the money within one to five business days, depending on your preferences and eligibility. You will then be directed to the Account Centre. When you log in, you will be able to change basic information such as your contact information and password. You may also submit another request for a personal loan with the click of a button and using your existing information. We may also present other offers to you in the Account Centre. Personal Loan Requirements Although we will accept loan requests with any credit score, there are some basic requirements that the lenders in our network are looking for. Please note that meeting all of these requirements does not mean that you will be connected to a lender:

  • Age/ID/Residency Status – You must be 18 or older to be eligible for a personal loan. You must also have a valid Social Security number, and be a legal U.S. citizen or permanent resident.
  • Income – In order to ensure that you will be able to repay a loan, you must either have full-time employment, be self-employed, or receive regular disability or Social Security benefits. Some lenders may require a pay stub or other form of income verification.
  • Bank Account – Most lenders require a valid checking account. If you are approved for a loan through, your lender will deposit your funds directly into said account.
  • Credit Type – You do not necessarily need to have a good or excellent credit record to qualify for a loan with one of the lenders in our network. However, most of the lenders we work with do require that customers demonstrate a pattern of responsibility. To be eligible for a personal loan product, typically an individual must not have any accounts more than 60 days late; must not have active or recent bankruptcies; must not exhibit a pattern of late payments; must not have any debt that cannot be covered by current income; and must not have any recently charged-off accounts.

Meeting these requirements does not necessarily guarantee you will be approved for a personal loan.

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