Funding

Personal Loans

Unsecured capital deposited to your personal account — fast and flexible.

Loan Range
$5K – $100K
Terms
2 – 7 years
Funding Speed
As fast as 24 hours
What it is

Understanding Personal Loans

A personal loan is an unsecured, fixed-rate installment loan disbursed directly to your personal bank account. It's ideal for consolidating high-interest debt, funding a major life expense, or bridging cash flow. No collateral required — approvals are based on your credit and income profile.

How it works

A clear, five-step path to funding

  1. 1

    Complete a soft-pull prequalification to see estimated offers with no impact on your credit.

  2. 2

    Choose the offer that fits your budget and finalize the application.

  3. 3

    Verify income and identity — usually via paystubs or bank connection.

  4. 4

    Sign the loan agreement electronically.

  5. 5

    Funds are ACH deposited to your bank account, typically the next business day.

Basic requirements

What you need to qualify

These are typical baseline criteria. Every file is unique — our specialists work with you to strengthen your application before submission.

  • U.S. citizen or permanent resident, 18 years or older.
  • Personal FICO score of 640 or higher.
  • Minimum verifiable annual income of $30,000.
  • Debt-to-income (DTI) ratio below 45%.
  • An active personal checking account in good standing.
  • No active bankruptcy on your credit report.
Ideal for

Common use cases

01

Debt and credit card consolidation

02

Medical or dental expenses

03

Home improvements

04

Major purchases or life events

05

Emergency and bridge financing

Ready to move forward?

Our specialists will review your profile in confidence and shape the strongest possible application on your behalf.