How it works

From application to funding, in six steps.

No branch visit. No mailing paperwork. Everything happens online through your secure dashboard, and a real person is available to answer questions along the way.

Create your account

Register with your name, email, phone, and address. It takes about two minutes. No credit check required to create an account.

What you'll need: Email address, phone number, date of birth, address.

Complete your application

Choose a loan product, enter the amount and term you want, and describe the purpose of the loan. You can save your progress and come back.

What you'll need: Employment details, income information, loan request.

Upload supporting documents

We ask for documents that verify your identity and income. Uploads are secure, and you can see exactly what we've received and what's still pending.

What you'll need: Government ID, proof of income, bank statement.

Application review

Once your application is complete, it enters review. You're assigned an account officer who can message you with any questions through the platform.

What you'll need: Nothing further unless we request it. You can track progress in your dashboard.

Receive and review your offer

If your application is approved, we send a written offer with your approved amount, rate, term, fees, and total repayment. Review it carefully.

What you'll need: Your decision to accept or decline within the offer window.

Accept, disburse, and repay

If you accept the offer, we prepare your disbursement. You'll see the status in your dashboard and receive the funds by your chosen method.

What you'll need: Your bank account details for disbursement.

How long does each stage take?

Every application is unique, but here's what most applicants experience.

Stage	Typical time
Account registration	About 2 minutes
Complete application + documents	10–20 minutes
Application review	Usually 1–2 business days
Offer issuance (if approved)	Same business day as decision
Disbursement after acceptance	1–3 business days, depending on method

Documents

What we ask for and why.

We ask for the minimum necessary to verify your identity and confirm you can repay. Every document is stored securely and visible only to people working on your file.

Government-issued photo ID	Verifies your identity.
Recent pay stub or bank statement	Confirms your income and account.
Proof of address (if requested)	Confirms your residency.
Business registration (business loans)	Confirms business eligibility.

We never ask for more than we need. If a document isn't relevant to your application, we won't request it.

Ready to get started?

Create your account or run a quick estimate first.

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