How to get a personal loan
Our application process makes it quick and easy.
Check Your Rate Won't impact your credit
See what personal loan offers you qualify for
The first thing you'll want to do is check what APR and payment you can expect. Don't worry, this won't have any impact on your credit score.
- Tell us how you plan to use the loan
- Amount you want to borrow
- How long you need to pay it back
- Provide some personal info
You'll enjoy a lower APR if you use the loan for debt consolidation because you'll be creating less new debt.
Complete a personal loan application
You'll be presented with a few loan options to choose from — and can then apply in minutes. Here's what you'll need:
- Income and employment information for verification
- Bank account and routing numbers for direct deposit
- Balances and accounts for creditors if you're consolidating debt
Once your application is received, a loan specialist may call you to verify your info and final details.
Get an approval decision
We'll let you know the APR, loan amount and payment terms if you're approved. You'll then be able to review the full details before you accept.
Our 30-Day Guarantee allows you to return all loan funds and cancel if you change your mind - with no penalties or interest charges.
Receive your funds
Once approved and accepted, your funds can be sent as soon as the next business day to:
- Pay off creditors directly if you're consolidating debt
- Or deposit into your bank account
If, for some reason, we're unable to disburse as you requested, we would either issue you a check for the difference or credit your loan balance.
Pay off your loan
Save money with a lower interest rate and simplify with a single, fixed monthly payment.
Convenient payment options
Enroll in automatic payments, set up electronic bill pay with your bank, or make payments online, by phone or by mail.
No prepayment penalties
Make extra payments and pay off your loan early. Any payments that exceed your monthly minimum are applied to your principal balance.
