How it works

From pre-qualify to money in your account

Four steps. Most customers complete the entire flow in under 30 hours start to finish.

The 4-step flow

What actually happens

1
Step 1 · ~60 seconds
Pre-qualify (soft pull)
You tell us the loan amount, term, and purpose. We do a soft credit check (no hit to your credit) and show you the APR, monthly payment, and total cost. Pre-qualified offers are good for 30 days.
2
Step 2 · 5–10 minutes
Apply (hard pull)
If you like the offer, you complete the full application. Hard inquiry happens here. We need: identity verification, employment, income, and where to deposit the funds. Real-time decision in most cases.
3
Step 3 · Same day
Sign + verify
E-sign the loan agreement. We may verify income (pay stubs or bank-account login via Plaid) or identity (driver’s license upload). Most verification clears within business hours of signing.
4
Step 4 · 24 hours
Funded by ACH
Money lands in your bank account via ACH. Funding within 24 hours of signing is typical; same-day disbursement is possible if signed before 11am ET. Once funded, your first payment is due ~30 days out.

What you can expect

60 sec

Pre-qualify check

5 min

Full application

24 hrs

From signing to funded

0 hits

To check your rate

What we’ll need from you

Government ID

Driver’s license, state ID, or passport. Photo upload during application.

Proof of income

2 most recent pay stubs OR Plaid bank-account verification. Self-employed: 1 year of tax returns + 3 months bank statements.

Bank account

ACH-eligible checking account in your name. We don’t support business accounts or prepaid cards.

Social Security number

Required for the credit check. We’re federally-compliant; SSNs are encrypted at rest and in transit.

Address verification

Sometimes required. Utility bill, lease, or mortgage statement under 60 days old.

Phone + email

Both verified during application via OTP. We’ll only contact you for loan-related matters.

Process questions

Pre-qualification (soft pull) shows you a real APR offer without affecting your credit. The hard pull happens only when you accept the offer and proceed to full application — that’s when the loan becomes binding.

Ready