Frequently Asked Questions

You must be at least 18 years old, a U.S. citizen or permanent resident, have a valid bank account, and meet our minimum income requirements. We consider a range of credit profiles.

You can apply online in just 5 minutes. Click 'Apply Now' to get started. You'll need to provide basic personal information, income details, and the purpose of your loan.

No. Checking your rate involves a soft credit pull, which does not affect your credit score. A hard inquiry only occurs if you accept a loan offer and proceed with the application.

We offer personal loans ranging from $2,000 to $10,000. The amount you qualify for depends on your credit profile, income, and other financial factors.

Our rates start as low as 10% APR depending on your credit profile, income, and other factors. All rates are fixed for the life of the loan — your monthly payment will never change.

Our personal loans can be used for a variety of purposes including debt consolidation, home improvement, medical expenses, major purchases, education, and more.

We offer loan terms of 24, 36, and 60 months. Shorter terms mean higher monthly payments but less interest paid overall. Longer terms provide lower monthly payments.

Once your loan is approved and you accept the terms, funds can be deposited directly into your bank account in as little as 24 hours (1 business day).

No. You can pay off your loan early at any time without any prepayment penalties or additional fees. We encourage early repayment if it works for your budget.

Payments can be made via automatic bank transfer (ACH), manual bank transfer, or by check. We recommend setting up autopay to ensure on-time payments and potentially qualify for a rate discount.

If you miss a payment, a late fee may apply (5% of past-due amount or $15, whichever is greater). We encourage you to contact us if you're having difficulty making payments — we may be able to help.

Absolutely. We use 256-bit SSL encryption to protect your data. We never share your personal information with unauthorized third parties.

No. There are no application fees or upfront costs. The only fee is an origination fee (0%) which is deducted from your loan proceeds, not paid upfront.