Frequently Asked Questions about Personal Loans

• What is a personal loan?

  A personal loan is an installment loan that can help cover unexpected expenses, consolidate debt, or finance personal projects.

• What if my credit isn't perfect?

  Our approval process considers a variety of factors, not just a credit score. We evaluate each applicant's overall financial situation to determine their eligibility for a loan.

• Can I borrow money for a short period?

  Yes. We offer personal loans with flexible repayment terms.

• Are there any up-front fees?

  No. We do not charge any upfront fees to process your loan application.

• Will you run a credit check?

  Yes. We perform credit checks to ensure responsible lending and to protect all parties. However, a perfect credit score is not required for approval.

• Do I need a checking account?

  Yes, a checking account is required to receive loan funds.

• Do you require a check to hold for security on my loan?

  No, we do not. We do not hold checks or require collateral for you to get a loan.

• Is there a limit to how much I can borrow?

  The amount we can lend is determined after we have processed your application, as every case is unique. We do our best to approve the amount you request.

• Will my credit line ever increase?

  It's possible. If your financial situation improves or you maintain a good payment history, your loan amount may increase in the future.

• How frequently can I request a personal loan?

  You can apply for another loan whenever you need financial support, but it's important that you use them responsibly. A personal loan is a short-term financial solution and should not be seen as a substitute for proper budgeting or used specifically to increase your credit score.

• How competitive are your interest rates?

  We offer competitive interest rates. We comply with all state and federal laws.

• Will I need to fill out a new application every time I take out a loan?

  No. If you have received a loan from us within the last 12 months, you only need to provide your most recent paycheck stub for us to process a new application.