1
Complete Application
Fill out the simple online form with your personal, employment, and banking information. Takes about 10 minutes.
- Government-issued photo ID
- Social Security number
- Proof of income (pay stubs or bank statements)
- Bank account information
- Employment details
2
Instant Review
Automated systems review your application immediately. Most decisions within minutes to hours.
- Identity verification
- Income verification
- Bank account check
- Credit review
- 60-70% receive instant decisions
3
Review Your Offer
If approved, review the exact loan amount, APR, payment schedule, and total cost.
- Loan amount confirmation
- APR and finance charges
- Bi-weekly payment amount
- Payment schedule dates
- Total repayment amount
4
E-Sign Agreement
Electronically sign your loan agreement to proceed with funding.
- Review complete loan documents
- Acknowledge all terms
- Provide electronic signature
- Confirm bank account
- Receive documents via email
5
Receive Funds
Money deposited directly into your checking account within 1 business day.
- Same-day funding possible (if approved before 11 AM EST)
- Next business day standard
- Full amount deposited at once
- Track deposit in your bank account
- First payment scheduled automatically
