Frequently Ask Questions
How does this work?
Once your loan application is complete, we will route your application to the appropriate lending source based on the information you provide. Where we send your application will depend on the credit info you input and the amount of money you are looking to borrow. When applying, it is very important that the information you provide is accurate and up-to-date so that we can best match you with a loan provider. Providing incorrect info may not only effect the interest rates you receive but even worse, your chances for approval.
I have bad credit, can I still qualify for a personal loan?
YES! We specialize in helping consumers with bad credit achieve financing. Get the second chance you deserve.
Do I need to be employed?
No, as you long as you have some sort of regular income coming in you are good! Regular income includes benefits, social security, disability, settlements, etc..
Are there any fees to use your service?
No. It is free to apply and you are not committed to accept the offer presented to you if you are not 100% satisfied with your rates and terms. You can learn more about the potential APR rates and costs of your loans here.
How long does the entire process take?
It only takes a few minutes to apply. Upon application submission, you should here from one of our participating loan officers within the day with either an approval or denial. If approval is achieved, it can take anywhere from a few minutes to two days for your funds to be received. You can check the status of your application here.
How do I get my money?
Most lenders will electronically transfer your money into your bank account. You may also be able to have a check sent to you in the mail.
Do you help people with no credit!
YES! We also help people with no credit. Start building your credit history today.
How much can I borrow and for how long?
Loans are available from $100 – $35,000. Terms range from one year to six. Not all lenders can provide up to $35,000. Repayment terms vary by lenders and local laws, and not everyone will qualify for maximum borrowing terms of 72 months. A good idea would be to use our personal loan calculator here to determine what to expect for your loan payments over different rates, terms and loan amounts.
Each lender has different loan terms, such as the loan amount, the APR for the loan, repayment schedules, etc. Each lender is required by federal law to present to you the terms of the loan, the rates and all costs associated with the loan prior to you executing the loan documents. Please feel free to exit the process at any time as you are under no obligation to accept the loan presented.