The Process
Four steps.Zero guesswork.
Our comparison process connects you with a lender or financial service provider from our vetted network. If approved, money can arrive as fast as the next business day.Tell us what you need
Choose an amount and share a few details about yourself, your income and your banking. The request takes minutes, not afternoons.
We scan the network
Your request is reviewed in near real-time by lending partners whose criteria match your profile — no shotgun applications to dozens of lenders.
Review your offer
If a partner can help, you're shown their agreement up front: the rate, the total repayment and the schedule. Read everything before you commit to anything.
Funds land directly
Accept an offer and funds are typically sent by ACH straight to your checking account within one to five business days. Repayment terms usually run 6 to 60 months.
Before you apply
What providers look for.
Age & Residency
18 or older, with a valid Social Security number and U.S. citizenship or permanent residency.
Income
Full-time employment, self-employment, or regular disability / Social Security benefits. Some partners may ask for a pay stub.
Bank Account
An active checking account in your name — approved funds are deposited directly into it.
Credit Pattern
Any score may apply. Partners look for recent responsibility: no active bankruptcies and no accounts 60+ days past due.
Meeting these requirements does not guarantee approval or connection with a provider.