Frequently Asked Questions

You can apply for a personal loan from $200 to $5,000. The amount you are offered depends on your state, income and overall credit profile.

Complete our short online application in a few minutes. You will choose an amount, share basic personal and income details, and review your options before accepting anything.

You must be at least 18, a U.S. resident, have a valid ID, an active checking account, a regular source of income, and a working phone number and email address.

Reviewing your options typically involves a soft inquiry that does not affect your score. If you accept an offer, a hard inquiry may be required — we tell you before this happens.

APRs range from 12.9% to 35.99% depending on your state, loan amount, term and credit profile. Your exact APR is shown before you sign.

Terms range from 3 to 24 months, depending on the amount and your state's rules.

No. You can pay your loan off early at any time with no prepayment penalty.

Contact us as soon as possible. Late fees may apply according to your loan agreement and state law, and late payments can be reported to credit bureaus.

Yes — our free loan calculator shows your estimated monthly payment, total repayment and interest in seconds.

After approval and e-signing, many customers receive funds as soon as the next business day. Timing depends on your bank and when your agreement is completed.

Yes. We use industry-standard encryption, restricted access and secure data handling. We never sell your personal information.

We lend in participating states. Availability, loan amounts and terms vary by state — you can confirm availability during the application.