A personal loan is a fixed amount of money you borrow and repay over a set period of time through scheduled monthly payments. It can be used for various purposes such as debt consolidation, home improvements, medical expenses, or emergencies.
Frequently Asked Questions
Here are some common questions about our loan programs and how we help clients achieve their financial goals. If you don’t see your question here, feel free to contact us.
Don't see your question below? Talk to a loan specialist today to learn more about upcoming programs and how we can help you.
How much can I borrow?
Loan amounts typically range from $1,000 to $50,000, depending on your credit, income, and other financial factors.
What can I use the loan for?
You can use the funds for almost any personal expense, including: Medical bills, Car repairs, Home improvements, Moving expenses, Wedding or vacation costs
Who is eligible to apply?
To qualify, you typically must: Be at least 18 years old, Be a U.S. citizen or permanent resident, Have a regular income, Have a valid checking account
How long does the application process take?
The online application takes about 3–5 minutes, and in many cases, you’ll receive a decision within minutes to 24 hours.
What documents do I need to apply?
You may be asked to provide: A government-issued ID, Proof of income (pay stub, W-2, or bank statement), Proof of address (utility bill or lease)
How long are the loan terms?
Loan terms generally range from 12 to 60 months, allowing you to choose a payment that fits your budget.
Are there any fees?
We charge no application fees or prepayment penalties. Some loans may include an origination fee, which will be disclosed upfront.
Can I pay off my loan early?
Yes! There’s no penalty for early repayment. Paying early can help you save on interest.
What if I miss a payment?
If you think you’ll miss a payment, contact us immediately. We may be able to work with you to adjust your due date or explore temporary solutions. Late fees may apply per your loan agreement.
Is my information secure?
Yes. We use bank-level encryption and follow all federal and state privacy regulations to protect your data.