Frequently Asked Questions

We offer several types of loans to meet different financial needs: Payday Loans (short-term loans for immediate cash needs), Personal Loans (larger amounts with flexible terms), Installment Loans (repaid over multiple payments), and Tribal Loans (regulated by tribal law with competitive rates).

Loan amounts typically range from $100 to $5,000, depending on your income, state regulations, and the lender's policies. First-time borrowers may qualify for smaller amounts, with the option to request higher amounts for future loans based on repayment history.

Most loan applications are approved within 5 minutes during business hours. Our streamlined process and automated systems allow for rapid decision-making. Once approved, funds are typically deposited into your account within 24 hours or by the next business day.

We work with a network of trusted direct lenders and tribal lenders to provide you with the best loan options. This means you'll work directly with the lender who funds your loan, ensuring transparent communication and faster processing times.

The application process is simple and entirely online: 1) Fill out our secure online form with your personal and employment information. 2) Submit required documents (ID, bank statements, proof of income). 3) Review and e-sign your loan agreement. 4) Receive funds directly in your bank account.

You'll need: Government-issued photo ID (driver's license or state ID), Bank account information (account and routing numbers), Proof of income (pay stubs, bank statements, or employment verification), and Contact information (phone, email, and address). All documents can be uploaded digitally.

Yes! Our online application is available 24/7. You can apply anytime, day or night. Applications submitted outside business hours will be reviewed first thing the next business day, and you'll receive a decision as soon as possible.

After submission, our system immediately begins processing your application. You'll receive email and/or SMS updates throughout the process. If approved, you'll receive loan documents to review and sign electronically. Once signed, funds are typically deposited within 24 hours.

Minimum requirements include: Age 18 or older, Valid government-issued ID, Active checking account in your name, Verifiable income (employment, benefits, or other regular income), Working phone number and email address, and US citizenship or permanent resident status.

You need regular, verifiable income, but this doesn't have to be from traditional employment. We accept income from employment, self-employment, Social Security, disability benefits, retirement benefits, unemployment benefits, and other regular income sources.

Income requirements vary by lender and loan type, but generally you need at least $1,000 per month in verifiable income. Some lenders may accept lower amounts depending on your overall financial situation and the loan amount requested.

Yes, loan availability and terms vary by state due to different regulations. Some states have restrictions on payday loans or specific lending practices. During the application process, we'll verify your state's regulations and connect you with appropriate lenders.

Interest rates vary by lender, loan type, and your individual profile. Payday loans typically have higher rates due to their short-term nature, while installment loans offer more competitive rates. Rates range from approximately 5.99% to 35.99% APR depending on these factors.

No, we believe in complete transparency. All fees and charges are clearly disclosed before you sign your loan agreement. This includes origination fees, late payment fees, and any other applicable charges. You'll know exactly what you'll pay before accepting the loan.

Several factors influence your rate: Credit score and history, Income level and stability, Loan amount and term, Debt-to-income ratio, Employment history, and State regulations. Better financial profiles typically qualify for lower rates.

Yes! You can pay off your loan early at any time with no prepayment penalties. Early payment can save you money on interest charges. Contact your lender or use your online account to make additional payments or pay off the full balance.

Repayment is typically done through automatic bank withdrawals (ACH) on your scheduled due dates. You can also make manual payments through your online account, by phone, or by mailing a check. Online account management allows you to view balances, due dates, and payment history.

Repayment terms vary by loan type: Payday loans are typically due on your next payday (14-30 days), Installment loans range from 2-24 months with regular monthly payments, and Personal loans can extend up to 60 months depending on the amount and lender.

If you miss a payment, you may incur late fees as specified in your loan agreement. Your lender will typically contact you to arrange payment. Continued missed payments may result in additional fees, collection activities, and negative impact on your credit score. Contact your lender immediately if you're having difficulty making payments.

Some lenders offer payment extensions or rollovers, though this varies by state regulations and lender policies. Extensions typically incur additional fees and interest. It's better to contact your lender before your due date if you anticipate payment difficulties to discuss available options.

We work with lenders who may perform soft credit checks that don't affect your credit score. Some lenders offer no credit check loans, focusing instead on your income and ability to repay. The type of credit check depends on the lender and loan type you're matched with.

Yes! We specialize in helping people with all credit types, including bad credit or no credit history. Many of our lenders focus more on your current income and ability to repay rather than past credit issues. Bad credit doesn't automatically disqualify you from getting a loan.

Our initial application process typically involves only a soft credit inquiry, which does not affect your credit score. If you're approved and accept a loan, the lender may perform a hard credit check, which could have a minimal impact on your score. This will be disclosed before you accept any loan offer.

This varies by lender. Some lenders report positive payment history to credit bureaus, which can help improve your credit score over time. Others may only report negative information like missed payments. Your loan agreement will specify the lender's credit reporting practices.

Absolutely. We use 256-bit SSL encryption to protect all data transmission, the same security level used by banks. Our systems are regularly audited and updated to maintain the highest security standards. Your personal and financial information is never shared without your explicit consent.

No, we do not sell your personal information. We only share your information with lenders in our network for the purpose of processing your loan application. All our partners are required to maintain the same high standards of data protection and privacy that we do.

We use multiple verification methods including government-issued ID verification, bank account verification, income verification, and identity authentication services. This multi-layered approach protects both you and our lenders from fraud while ensuring a secure lending environment.

If you suspect fraudulent activity, contact us immediately at our customer service number. Also contact your bank to report any unauthorized transactions. We have a dedicated fraud prevention team that will investigate and take appropriate action to protect your account and personal information.