Answers to Your Questions
Get clear answers about our loan process, requirements, and the steps we take to protect your information. Need more detail? Our support team is ready to help.
payments Loan Process Basics
If you apply during regular business hours with your documents in order, you can get a decision within minutes. After approval, funding usually arrives the next business day.
Yes. We don't charge prepayment penalties, so you can pay the balance in full at any time with no added fees.
Approved funds are transferred by ACH straight into the checking account you linked. When exactly they appear depends on your bank's processing schedule.
fact_check Eligibility Requirements
You must be at least 18, a US citizen or permanent resident, have a steady income that can be verified, and have an active checking account in your name.
No. We use a "soft pull" to preview your eligibility and rates, which has no effect on your FICO® credit score. A hard inquiry happens only if you move forward and accept a loan offer.
shield_lock Privacy & Security
It's well protected. Your data is encrypted with bank-level 256-bit AES while being sent and while stored, and we follow strict industry privacy standards.