How It Works

Simple Loan Request Process

Complete one secure online request form and submit your information through our website.

Loan request amounts generally range from $100 to $5,000, although available amounts may vary depending on lender programs, state regulations, and individual qualifications.

You may receive a response from a participating lender the same day and, in many cases, within minutes.

If approved by a lender, you may be redirected to the lender's website where you can review loan terms, rates, fees, and repayment conditions before accepting any offer.

If you choose to accept a lender's offer, funds may be deposited directly into your bank account as soon as the next business day, subject to lender policies and banking schedules.

Basic Eligibility Requirements

Many lenders within our network generally require individuals to:

• Be employed for at least 90 days
• Be at least 18 years of age
• Be a U.S. citizen or permanent resident
• Earn approximately $1,000 or more per month after taxes
• Maintain an active checking account in their own name
• Provide a valid home and work telephone number
• Provide a valid email address

Requirements vary by lender and state. Meeting these requirements does not guarantee approval.

Quick Inquiry Process

Using secure technology, we attempt to identify participating lenders that may be interested in reviewing your information.

Once a lender expresses interest, they may contact you directly to obtain additional information, including employment verification, income verification, or supporting documentation.

Cash Sent Directly To You

Once approved and after you accept the lender's terms, funds may be deposited directly into your checking account.

This can eliminate the need to visit a bank branch, deposit paper checks, or pay check-cashing fees.

Private & Secure

We use industry-recognized security practices and encryption technologies designed to help protect the information you submit through our website.

Please review our Privacy Policy for additional information regarding how your information may be collected, used, and shared.

Automated Repayment

If authorized by you and permitted by your lender, loan payments may be collected through Automated Clearing House (ACH) transfers directly from your bank account.

Automatic payments may help reduce the likelihood of missed payments and associated late fees.

You should review all repayment terms provided by your lender before accepting any loan agreement.

Late Payments

Late payment policies vary by lender and applicable state law.

Some lenders may charge late fees, report late payments to credit bureaus, or accelerate loan obligations following missed payments.

Consumers should carefully review all loan documents before accepting any offer.

Loan Extensions

Certain states restrict or prohibit loan renewals, rollovers, or extensions.

If you need additional time to repay a loan, contact your lender directly to discuss available options.

Loan Default

Failure to make payments according to the terms of your loan agreement may result in default.

Loan default may negatively affect your credit profile and could impact your ability to obtain credit in the future.

If you anticipate repayment difficulties, contact your lender as soon as possible.