How much can I borrow?
Our loan approval amounts range from $1,000 to $20,000 - depending on the laws of your state. Returning customers may be eligible for an increased loan amount depending on their payment history and the affordability of the amount requested.
How soon can I get my money?
If we receive your application by 6pm MT and you are approved, we can electronically deposit your money into your account as early as the next business day (M-F excluding bank holidays). You can contact the ACH department of your bank to verify that the funds have been credited to your account. If you prefer, you can request a paper check. If a paper check is chosen please allow 7-10 days for delivery via the USPS. Applications received after 6pm ET are processed the next business day.
Can I pick a different payment schedule?
When you are approved, your first payment date and re-payment schedule are determined from your application information. At this time you cannot pick different payment dates other than what is presented on the loan documents you receive. We do offer a 7-day payment extension for those times when you need a few extra days to make your payment.
How much does it cost?
This depends on our assessment of what you can afford, your application information and credit history and the loan amounts and terms offered in your state. It’s important to remember that we may not be the cheapest credit option and may not be the best option for you. To understand how our rates compare to other options check out our rates and terms section.
Can I have two loans at once?
No, you must pay off your current loan before applying for a new one. If you are eligible for a refinance, you will be notified via email.
What are my payment options?
For installment loans, depending on your state of residence, you will be able to select the number of payments based on your amount and pay frequency. Payments accepted by ACH, debit card, and check. Payment by ACH For your convenience, if you have chosen to receive your money via electronic deposit (ACH debit), your payments will be electronically debited from your checking account. Payment by Debit Card Debit cards are accepted for one-time payments only. Debit card payments made by 8pm MT will be applied to your account the same day. Any debit card payments made after 8pm MT will be applied to your account the next day. To pay by debit card, you use payment link you will be sent or give us a call.
Are there any early payment penalties?
We do not have any pre-payment penalties, so we encourage you to pay off early and save!
How do I know if I am eligible for refinancing?
Applying for a loan refinance will not affect your FICO® credit score. Customers may become eligible to refinance their loan and get more money by making repeated timely payments of at least the minimum amount due. When you become eligible we will send you an email notification. Please note not everyone will be eligible.
