How It Works facilitates access to various loan types and financing options provided by our extensive network of lenders and lending partners. Loan limits vary by state and by a specific lender’s or lending partner’s practices, ranging from $2,500 to $35,000.

All a customer has to do is complete an initial form on After receiving the necessary information, we will immediately submit your request to our lenders or lending partners, who can respond to you on the same day or even within minutes. Then, you will be redirected to the site of the specific lender or lending partner, where you can familiarize yourself with your repayment terms, applicable rates, fees, etc., and start your application.

Once the loan is approved and you accept the offer, the lender or lending partner will deposit money into your bank account the next day. Thus, the whole loan approval and funding process typically takes one or two days.

Here are common requirements you should meet so that the lender or lending partner approves your loan application:

  • Be at least 18 years old and a U.S. citizen or a permanent resident;
  • Be at your current job for at least a year for at least 90 days;
  • Have a monthly income of about $1,000 after tax withholdings;
  • Have a valid checking account in your name;
  • Provide your email address and valid personal and work phone numbers.

Prompt Request Processing

We ensure your inquiry is processed quickly and safely. Based on the information you provide through our secure online form, we will find and connect you with a lender or lending partner in our network that is ready to consider your application. Then, that lender or lending partner will contact you to obtain any other information they need to approve your loan. In turn, you will be able to familiarize yourself with their terms.

Money Sent Directly to You

After your request is approved by the lender or lending partner, they will deposit money directly into your bank account. Thus, you neither need to visit the bank to endorse and deposit a check nor pay check-cashing fees.

Private and Secure uses industry-leading security technology and advanced encryption standards to protect our customers’ data.

Automatic Loan Payments

You can have your loan payments automatically taken from your bank account within the agreed schedule if you authorize your lender or lending partner to collect payment via ACH transfer. Therefore, you won’t have to worry about missing the due date on loan or incurring any penalties.

Late Payments

All lenders or lending partners can have different terms and policies regarding late payments and applicable fees. Please carefully consider all the provisions of a specific loan agreement before accepting the loan.

Besides, the loan terms may vary by state. For example, some states’ laws restrict the imposition of late fees. And in some other states, late payments enable the lender or lending partner to charge late fees and speed up the repayment of a loan.

NOTE:  Please evaluate the time you will need to pay off the full amount owed before accepting a loan. We encourage a conscientious attitude towards personal loans and recognize that nobody but you can assess your financial capability.

Loan Extension

If you are looking to extend your loan, you have to consult with your lender or lending partner. Getting an extension on loan varies depending on several factors, and some states’ laws may prohibit lenders or lending partners from extending existing loans.

Loan Default

If you cannot pay off a loan on time, a default occurs. Defaulting on a loan can increase your debt due to additional fees and penalties, hurt your credit score, and complicate obtaining new loans.