How It Works

Eligibility Requirements

While each lender sets its own criteria, most lenders in our network look for the following:

• At least 90 days of continuous employment or a verifiable steady income source.
• US citizenship or permanent residency, and be 18 years of age or older.
• A monthly take-home income of approximately $1,000 or more.
• A personal checking account in your name.
• Valid contact phone numbers (home and/or work).
• An active email address.

The Matching Process

Once you submit your form, our secure system begins searching our lender network for a match based on your profile. When a lender indicates they can work with you, they contact you directly to collect any additional verification they may need — such as proof of income or recent bank statements.

Direct Deposit to Your Account

After your selected lender has completed their review and you've signed the loan agreement online, the approved funds are deposited directly into your bank account. There are no branch trips, no check cashing fees, and no unnecessary delays.

Privacy & Data Security

We use bank-grade encryption to transmit and store your information securely. Your data is shared only with lenders in our vetted network for the purpose of finding you a loan.

Automated Repayment (ACH)

Many lenders offer automatic payment withdrawals directly from your bank account on each due date. This keeps your payments on time and removes the stress of manually tracking due dates. Consult your lender's agreement for specific terms.

Late Payments

Late payment terms vary by lender and may also be subject to state regulations. Always read your loan agreement carefully before signing. If you anticipate difficulty making a payment, contact your lender proactively — before the due date — to discuss your options.

Loan Extensions & Rollovers

Whether a loan can be extended or rolled over depends on both your lender's policies and the laws of your state. Some states permit multiple rollovers while others restrict or prohibit them entirely. Speak with your lender for specifics.

Loan Default

Failing to meet your repayment obligations may result in your loan being declared in default. Defaults and late payments can negatively affect your credit profile and make future borrowing more difficult. If you're struggling, reach out to your lender immediately — many are willing to work out an arrangement.