Get your personal loan in 5 simple steps. Fast, easy, and transparent.
Our streamlined application process makes getting a personal loan easier than ever. Here's what you can expect:
Pre-Qualification Check
Approval Decision
Funding Available
Start by seeing if you pre-qualify for a loan. This quick check uses a soft credit inquiry that won't affect your credit score. You'll get an instant decision on whether you're likely to be approved and what loan amounts and rates you might qualify for.
Once pre-qualified, you can choose the loan amount that fits your needs ($1,500 to $20,000) and select a repayment term that works with your budget. Our loan specialists can help you understand how different amounts and terms affect your monthly payment.
To complete your application, you'll need to provide documentation to verify your identity, residence, and income. You can upload documents online, email them, or bring them to a branch. Most documents can be verified electronically for faster processing.
After reviewing your application and documents, we'll provide a final approval decision. Many customers receive approval within hours. If approved, we'll present your loan offer with clear terms including your interest rate, monthly payment, and total loan cost.
Once you review and sign your loan agreement, your funds will be on the way. Many customers receive their money the same day, though timing may vary based on your bank and when you complete the process. You can receive funds via direct deposit, check, or in some cases, at a branch.
Here's what to expect from start to finish
Have all required documents ready before starting your application. This speeds up the process and helps you avoid delays. Make sure documents are current (usually within 30-60 days).
Knowing your credit score beforehand helps you understand what to expect. While we work with all credit types, knowing your score helps set realistic expectations for rates and terms.
Before applying, review your monthly income and expenses. Ensure the loan payment fits comfortably in your budget. Remember to account for all monthly obligations.
Don't hesitate to contact our loan specialists if you have questions. We're here to help you understand your options and make the best decision for your situation.
Always apply through our official website or in a branch. Never share sensitive information via email or unsecured methods. Look for the padlock icon in your browser.
Keep your phone and email accessible during the application process. We may need to contact you for clarification or additional information to complete your application faster.
No! Checking if you pre-qualify uses a soft credit inquiry that will not impact your credit score. Only when you formally apply and accept a loan offer will we perform a hard credit inquiry.
Many customers receive an approval decision within a few hours, and some as quickly as a few minutes. However, if we need additional documentation or verification, it may take up to 24 hours for a final decision.
You can do both! Our online application is available 24/7 and is completely digital. However, if you prefer face-to-face service, you're welcome to visit any of our 1,300+ branch locations where our specialists can help you through the process.
If your application is not approved, we'll send you a letter explaining the reasons. You can contact us to discuss your options, and we may be able to suggest alternative solutions or steps you can take to improve your chances in the future.
After you sign your loan agreement, many customers receive their funds the same day via direct deposit. However, timing can vary based on your bank's processing times and when you complete the process. Checks typically take 5-7 business days to arrive by mail.
Check if you pre-qualify in just 2 minutes with no impact to your credit score