HOW IT WORKS · 4 STEPS · 24 — 48 HR
Four steps.
24 — 48 hr.
Pre-qualify · apply · sign · fund. Four steps · most loans funded 24 — 48 hours after signing. Soft credit pull at pre-qualify; hard pull at full application. No origination fees · no prepayment penalty.
RATE SHEET STEPSPROCESS · 4 STEPS
- 01
Pre-qualify · 60 sec · soft pull
Enter income · address · loan amount · soft pull. We return rate range + monthly payment estimate. No impact to credit score.
- 02
Apply · full application · 5 — 7 min
Hard pull at this stage. Verify income · employment · bank account. Most apps approved within 60 seconds; some routed for manual review (24-hr typical).
- 03
Sign + verify · within 24 hr of approval
E-sign loan documents. Verify identity (SSN match · bank account verification). Most signed + verified within an hour of approval.
- 04
Funded · 24 — 48 hr · ACH direct deposit
Funds direct-deposited to your bank · 24 — 48 hr business days after sign. Some same-day funding available; depends on receiving bank.
