Seeing if you pre-qualify takes just a few minutes—and won’t impact your credit score.
If you’re pre-qualified, completing your full application can take 15 to 25 minutes on average. You’ll go through a few quick steps to confirm your personal details, choose which debts to pay off, select a repayment plan, and connect your bank for funding and payments. Most people complete the entire process in one sitting.
If you choose to verify your income manually instead of connecting your bank, your application may take longer to review—typically a few business days.
Once submitted, you’ll get updates as your application moves through final review. In many cases, funds can be sent to you and your creditors in as little as 24 hours after approval.