How It Works

The Personal Loan Process

Here’s a clear breakdown of the steps in your simple online loan request process:

Submit Your Loan Request
Complete a short online form with basic personal, financial, and loan details. This helps us connect you with a lender from our network or other third-party lender networks.

Review Loan Offers
If a lender is able to offer you a loan, you’ll receive the loan terms for your review. Offers may vary based on the lender’s criteria, including the loan amount, APR, and repayment period.

Accept the Loan Offer
Once you find an offer that works for you, accept it and finalize the agreement directly with the lender. Be sure to read and understand all terms before proceeding.

Receive Your Funds
After acceptance, funds can be deposited into your bank account in as little as one business day, depending on the lender’s process.

Repay the Loan
Repayment periods range from 90 days to 72 months, depending on the loan agreement. Make timely payments to avoid additional fees or penalties.

Explore Additional Services (Optional)
Take advantage of other credit-related products and services we may market to you, such as debt relief, credit repair, or credit monitoring.

Personal Loan Eligibility Criteria

While we welcome loan requestors with any credit score, there are a few basic criteria that lenders in our network typically look for. Before submitting a loan request, ensure you meet the following requirements. Please note that meeting these criteria does not guarantee that you will be connected with a lender or approved for a loan.

1. Age, Identification, and Residency

You must be at least 18 years old.

A valid Social Security number is required.

You must be a legal U.S. citizen or permanent resident.

2. Income Verification

You must have a steady income source, such as full-time employment, self-employment, or regular disability or Social Security benefits.

Some lenders may request income verification, such as a pay stub or other documentation.

3. Bank Account

A valid checking account is required, as approved funds are typically deposited directly into your account by your lender or lending partner.

4. Credit History

While good credit can lead to more favorable loan terms, it is not a strict requirement.

Most lenders require borrowers to demonstrate financial responsibility, including:

No accounts more than 60 days delinquent.

No active or recent bankruptcies.

No pattern of late payments.

Debt that is manageable within your current income.

No recently charged-off accounts.

Important Notes

Meeting these requirements improves your chances of being matched with a lender but does not guarantee approval.

We are not a lender and do not make lending decisions. Approval and loan terms are determined solely by the lender.