How It Works
From "how much can I get" to funded, in three steps.
No mystery pricing, no waiting a week for an answer. Here's exactly what happens at each stage.
See your options — soft check only
Tell us the loan amount and what it's for. We run a soft credit check to preview your possible rates and terms. A soft check never affects your credit score, and you can walk away at this point with zero obligation.
Choose your terms and finish applying
Pick the monthly payment and term that fits your budget. To finalize your application we verify your identity and income, which requires a hard credit inquiry — we'll always tell you before this happens, and it only occurs if you choose to move forward.
Get your funds
Most decisions are returned within minutes; some applications need extra documentation and take a bit longer. Once approved, funds are typically deposited by direct deposit as soon as the next business day.
Before you start
What you'll need on hand
- Government-issued photo ID
- Social Security number
- Bank account and routing number
- Recent proof of income (pay stub, bank statement, or similar)
Start with step one
It's just a soft check — no impact to your score.