Frequently Asked Questions
Get quick, transparent answers about loan qualification, interest rates, repayment terms, and security.
Will checking my loan rate affect my credit score? +
No. When you submit an initial inquiry to view available rates and terms, our lenders perform a "soft credit pull." This allows participating lenders to evaluate your options without impacting your FICO or Vantage credit scores. A hard credit inquiry is only performed if you choose to accept and finalize a loan contract.
How much money can I borrow and what are the repayment terms? +
Our network matches borrowers with loans ranging from $1,000 up to $50,000. Repayment terms typically range between 12, 24, 36, 48, and 60 months with predictable, fixed monthly installments.
How soon will I receive my funds? +
Once your application is approved and your electronic agreement is signed, funds are typically initiated via automated clearinghouse (ACH) direct deposit. For applications completed before 5:00 PM EST on a business day, funds are frequently accessible in your account as fast as the next business day morning.
What are the interest rates (APR)? +
Annual Percentage Rates (APR) range between 5.99% and 29.99% depending on your credit history, employment verification, debt-to-income ratio, and state of residence. All loans provided through our network feature fixed interest rates, meaning your monthly installment will never increase over the duration of the loan.
Can I pay off my loan early without prepayment penalties? +
Yes! All partner lenders in our direct network guarantee zero prepayment fees. You can pay extra toward your principal or pay off the entire outstanding loan balance at any time to save on interest charges.
What are the basic eligibility requirements? +
To qualify for a personal loan through our platform, you must:
- Be at least 18 years of age (or legal age of majority in your state).
- Be a U.S. citizen or permanent resident with a valid Social Security Number.
- Have a regular, verifiable source of monthly income (employment, self-employment, disability, or pension).
- Maintain an active U.S. checking or savings account capable of receiving ACH deposits.
How is my sensitive financial data protected? +
We utilize bank-level 256-bit SSL encryption to safeguard all data transmission. Sensitive fields such as Social Security Numbers and account numbers are strictly masked, tokenized, and processed following the highest industry data protection and Graham-Leach-Bliley Act (GLBA) compliance standards.
Still Have Questions?
Our dedicated customer assistance specialists are ready to help you navigate your options.