How we work
Four steps, and none of them are a surprise.
From the first question to the last payment, you always know what happens next and why we're asking.
1 — Tell us about the loan
Amount, purpose, credit range and income. About two minutes, no documents needed yet.
2 — Review your offers
We run a soft credit check and show real rates, terms and monthly payments side by side.
3 — Verify and sign
Upload income and identity documents, then sign electronically. A hard inquiry happens only at this step.
4 — Get funded and repay
Money lands in your account, usually the next business day. Autopay keeps the schedule on track.
2 min
Application
Soft pull
Until you accept
24 hrs
Typical funding
Start at step one
Nothing is committed until you accept an offer.