Get Approved Fast, Even With Less-Than-Perfect Credit

Basic requirements typically include being at least 18 years old (or your state's minimum age), having a regular source of income, an active checking account, and being a US resident or citizen. While credit score is considered, many of our lending partners look beyond just your score to evaluate your application.

The approval rates shown are based on aggregate data from recent applications processed through our platform. They represent the percentage of applicants who received at least one loan offer when applying for that specific amount. Individual approval odds may vary based on your specific financial situation, income, credit history, and other factors.

No, checking your initial approval odds through our platform does not affect your credit score. We use a soft inquiry to provide preliminary approval information. A hard inquiry may be placed on your credit report only if you proceed with a full application with a specific lender after receiving pre-approval.

Our platform connects you with a network of lenders who specialize in different types of borrowers, including those with less-than-perfect credit. By submitting your application to multiple potential lenders simultaneously, we increase your chances of finding one that matches your specific financial profile. Additionally, many of our lending partners use alternative data beyond just credit scores to evaluate applicants.

After receiving approval, you'll be presented with the loan terms offered by the lender, including the interest rate, repayment schedule, and any applicable fees. If you accept the terms, you'll typically need to sign an electronic loan agreement. Once finalized, the funds are usually deposited directly into your bank account as soon as the next business day, though exact timing varies by lender.