How It Works
This website provides an online connecting service that allows consumers to submit a loan request to independent lenders or lending partners in a network. The website is not a lender, does not issue loans, and does not make credit decisions. Loan approval, amounts, rates, fees, repayment terms, and funding times are determined by the lender.
How the Process Works
Submit a Loan Request
Complete the online request form with accurate personal, contact, income, employment, and banking information. A loan request may be submitted from a computer, smartphone, or other internet-connected device.
Lenders May Review Your Information
The information you provide may be shared with independent lenders or lending partners in the network. Each lender uses its own criteria to decide whether to respond and present a loan offer. Submitting a request does not guarantee approval or funding.
Review the Loan Offer
If a lender offers you a loan, the lender will provide the applicable loan amount, annual percentage rate, finance charges, fees, repayment schedule, and other terms. You are not required to accept an offer.
Accept or Decline the Offer
Carefully review the lender’s full agreement before making a decision. Only accept an offer when you understand the total cost of borrowing and believe you can make all required payments on time.
Funding Is Managed by the Lender
If you accept an offer and satisfy the lender’s requirements, the lender will determine whether and when funds are transferred. Funding times vary based on the lender, verification procedures, your bank, weekends, holidays, and other factors. The connecting service does not fund loans or control bank transfers.
Possible Lender Requirements
Each lender establishes its own eligibility and verification requirements. Common requirements may include, but are not limited to:
- Being at least 18 years old or the legal age required in your state.
- Being a legal resident of the United States.
- Having a valid checking or savings account.
- Receiving a regular source of income that can be verified.
- Providing valid identification and contact information.
- Meeting applicable lender, state, and federal requirements.
Some lenders may review your credit history or obtain information from traditional or alternative consumer reporting agencies. A lender may also request additional documentation, identity verification, income verification, or banking information. Credit checks and documentation requirements vary by lender.
Special restrictions may apply to active-duty service members and their dependents under federal law. Each lender is responsible for determining eligibility and complying with applicable military lending requirements.
Rates, Fees, and Repayment
The connecting service does not set or control loan rates, fees, repayment terms, or other conditions. These details are established by the lender and may vary based on state law, the requested amount, the lender’s policies, and the consumer’s individual circumstances.
Before accepting an offer, review the annual percentage rate, finance charges, payment dates, late-payment consequences, renewal policies, and any other costs. Contact the lender directly when any part of the agreement is unclear.
Late or missed payments may result in additional fees, collection activity, and a negative effect on your credit score. Renewal or extension policies vary by lender and may involve additional costs.
Responsible Borrowing
Short-term loans are expensive financial products and should be used responsibly for temporary financial needs. They are not intended to provide a long-term solution for ongoing expenses or repeated financial difficulties.
Consider available lower-cost alternatives before accepting a loan offer. These may include contacting creditors about a payment plan, speaking with a nonprofit credit counselor, requesting help from family or friends, or exploring assistance from local community organizations.
Service Availability
Loan availability, amounts, rates, fees, approval decisions, repayment terms, and funding times vary by lender and by state. The connecting service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Additional restrictions may apply.
Important Disclosure
This website is not a lender and does not make credit decisions. It provides a connecting service only and is not responsible for the actions or inactions of any lender or lending partner. Submitting a loan request does not guarantee that a lender will respond, approve the request, or provide a specific loan amount or set of terms.
By submitting your information, you confirm that you have read, understood, and agree to the Privacy Policy, Terms of Use, E-Consent, Responsible Lending, and Marketing Practices.
For general questions about the connecting service, contact [email protected]. Questions about a credit decision, loan agreement, payment, funding status, or existing loan should be directed to the lender identified in the loan documents.