Find answers to common questions about our personal loans and services.
Our interest rates range from 6.99% to 25.99% APR, depending on your credit score, income, and other factors. Borrowers with excellent credit (720+) typically qualify for our lowest rates starting at 6.99% APR.
You can borrow between $2,000 and $100,000, depending on your creditworthiness and income. The exact amount you qualify for will be determined during the application process.
You can receive an instant pre-approval decision in minutes. Final approval and funding typically occurs within 1-3 business days after you submit all required documentation.
We accept applications from borrowers with credit scores as low as 580. However, the best rates and terms are available to those with credit scores of 650 or higher.
We don't charge origination fees, prepayment penalties, or application fees. The only potential fee is a late payment fee if your payment is more than 15 days overdue.
Personal loans can be used for debt consolidation, home improvements, medical expenses, major purchases, or any other personal financial need. Loans cannot be used for illegal activities or business purposes.
You can make payments online through your account dashboard, by phone, or by setting up automatic payments. We also accept payments by mail.
Yes! There are no prepayment penalties, so you can pay off your loan early and save on interest charges.
You'll need your Social Security number, proof of income (pay stubs or tax returns), bank account information, and personal identification. The entire application can be completed online.
Checking your rate results in a soft credit inquiry, which won't affect your credit score. If you proceed with the application, we'll perform a hard credit inquiry, which may temporarily lower your score by a few points.
Yes, we use bank-level 256-bit SSL encryption to protect your personal and financial information. We are committed to maintaining the highest standards of data security and privacy.
We work with borrowers across the credit spectrum. Even with less-than-perfect credit, you may still qualify for a loan, though rates and terms will vary based on your credit profile.
Our customer service team is here to help you with any questions not covered here.