Common
questions.
Soft pull · APR · funding · fees · co-signer · self-employed. Six most-asked. Don't see your question? Email or chat us; team responds within 1 business hour during business hours.
- Q-01
Will pre-qualifying hurt my credit?
No. Pre-qualifying uses a soft credit pull · no impact to your credit score. Only the full application uses a hard pull (and we're transparent about that).
- Q-02
What APR can I expect?
Range depends on product. Personal: 7.99 — 24.99%. Auto refi: 5.49 — 14.99%. Home improvement: 6.99 — 19.99%. Final rate determined by credit + income + DTI.
- Q-03
How fast is funding?
24 — 48 business hours after signing the loan agreement is typical. Some same-day funding available for direct deposits to certain banks.
- Q-04
Are there origination or prepayment fees?
No origination fees on personal · auto refi · home improvement · debt consolidation. No prepayment penalty on any product.
- Q-05
Can I have a co-signer?
Yes for personal loans · sometimes brings stronger rate. Both applicants pre-qualify in the standard process. Co-signer must meet eligibility independently.
- Q-06
What if I'm self-employed?
Welcome. We require 2-yr verifiable income (tax returns + bank statements). Income verification adds 24 — 48 hours to underwriting timeline.
