The application walks you through a few short steps to confirm your eligibility and customize your loan. Here's what you can expect:
🧾 Loan & Creditor Info
How much you want to borrow
Which debts you'd like to pay off (we'll show you a list from your credit report)
Option to adjust payment amounts for each creditor
Option to borrow additional cash (if available)
💸 Loan Offer Customization
Choose a repayment term (e.g. 36, 48, or 60 months)
Select your preferred payment frequency (monthly, bi-weekly, or semi-monthly)
👤 Personal Details
Phone number and date of birth
Employer name, job type, and how long you've been employed
Housing situation and monthly housing cost
Optional: report any savings
🔒 Verification
Social Security Number (to complete a hard credit pull)
Income verification via secure bank connection (Plaid) or manual document upload
🏦 Bank & Payment Setup
Enable autopay or choose manual payment options
Confirm where you'd like your cash (if applicable) to be deposited
Once you submit your application, we'll begin processing it right away. Most users finish the application in 15–25 minutes, and funding can happen in as little as 24 hours after approval.