Frequently Asked Questions

Our application process is simple and streamlined:

1. Complete our short online application form (takes less than 5 minutes)
2. Receive instant pre-approval notification
3. Review loan offers from our network of trusted lenders
4. Select the offer that best meets your needs
5. Complete any additional verification steps required by the lender
6. Receive funds directly to your bank account, often within 24 hours of final approval

Our system matches you with the best lenders for your specific situation, ensuring you get the most favorable terms possible.

"Guaranteed Approval" means that our network of associate lenders guarantees that qualified applicants will be approved for a loan. While individual lenders have their own specific criteria, our extensive network ensures that we can find a lending solution for almost any financial situation.

Even if you've been rejected elsewhere or have less-than-perfect credit, our lenders specialize in working with a wide range of financial profiles. The approval amount is guaranteed through our associate lenders, though the specific terms and interest rates may vary based on your individual circumstances.

Most approved applicants receive their funds within 24-48 hours after final approval. In some cases, funds can be deposited as quickly as the same business day.

The exact timing depends on:

• The specific lender you're matched with
• The time of day your application is approved
• Your bank's processing times for incoming transfers
• Whether any additional verification is required

For the fastest possible funding, we recommend completing your application early in the business day and having all your verification documents ready to upload if requested.

Our network of lenders offers loans ranging from $500 to $50,000, depending on your qualifications and state regulations.

Loan amounts are determined based on several factors:

• Your income and employment status
• Credit history and current credit score
• Existing debt obligations
• State regulations where you reside

Many of our first-time customers qualify for loans between $2,000 and $10,000, with the opportunity to access higher amounts after establishing a positive payment history.

Our initial application process requires minimal documentation. You'll need:

• Valid government-issued ID (driver's license, passport, etc.)
• Proof of income (recent pay stubs, tax returns, or bank statements)
• Active checking account information
• Valid email address and phone number

Some lenders may request additional documentation during the final verification process, but our streamlined system is designed to minimize paperwork and get you approved quickly.

Unified Lending Hub works with lenders who accept a wide range of credit scores. While some traditional lenders require scores of 680 or higher, our network includes lenders who specialize in working with:

• Good credit (670+)
• Fair credit (580-669)
• Poor credit (below 580)
• Limited or no credit history

Rather than focusing solely on credit scores, many of our lenders consider your overall financial picture, including income stability, employment history, and current banking relationship.

Our initial pre-qualification process uses a soft credit inquiry, which does not impact your credit score. This allows you to see potential loan offers without any negative effect on your credit.

Only after you review your offers and choose to proceed with a specific lender will a hard credit inquiry be performed. This single hard inquiry typically has minimal impact on your credit score (usually less than 5 points) and is a standard part of any loan application process.

This two-step approach allows you to explore your options risk-free before making a final decision.

Our recommended credit services provide valuable tools to help improve your financial profile:

By improving your credit profile, you can qualify for better loan terms, lower interest rates, and higher approval amounts in the future. Many customers see significant score improvements within 3-6 months of using these services.

Our lenders consider several key factors when evaluating your application:

• Income verification: Stable income source that covers your existing obligations plus the new loan payment
• Credit history: Your track record of managing debt and making payments on time
• Debt-to-income ratio: The percentage of your monthly income that goes toward existing debt payments
• Employment stability: Length of time at your current job or in your current field
• Banking relationship: Active checking account with consistent activity

Our diverse lender network means that even if you're strong in some areas but weaker in others, we can often find a lender willing to work with your specific situation.

Yes! Many of our lenders specialize in working with customers who have been rejected by traditional banks or have less-than-perfect credit. Our approval rates for customers with credit challenges are significantly higher than industry averages.

Factors that can help overcome credit challenges include:

• Stable employment with verifiable income
• Recent improvements in payment history
• Lower debt-to-income ratio
• Banking account in good standing

Once you're approved, the process moves quickly:

1. You'll receive an official loan agreement outlining all terms and conditions
2. Review and digitally sign your loan documents
3. Provide your banking information for direct deposit (if not already provided)
4. Funds are typically deposited within 24-48 hours after signing

Your lender will also provide access to an online account where you can manage your loan, make payments, and track your balance. Our customer support team remains available to assist with any questions throughout the life of your loan.

Interest rates and terms vary based on your credit profile, loan amount, and the specific lender you're matched with. Our network offers:

• Interest rates: Typically range from 5.99% to 35.99% APR
• Loan terms: 3 months to 72 months (6 years)
• Payment frequency: Most commonly monthly, but some lenders offer bi-weekly options

All rates, terms, and fees are clearly disclosed before you accept any loan offer. There are never any hidden charges or surprise fees.

Our lenders offer multiple convenient payment options:

• Automatic payments: Set up recurring payments from your bank account (most popular and often includes a rate discount)
• Online payments: Make one-time payments through your lender's secure portal
• Mail: Send checks or money orders (less common)

Most customers choose automatic payments for convenience and to ensure they never miss a due date. Many lenders offer a 0.25% - 0.50% interest rate discount for enrolling in automatic payments.

Yes! All loans through our network allow for early payoff with no prepayment penalties. Paying off your loan ahead of schedule can save you money on interest and potentially improve your credit score.

You can make extra payments at any time or pay off the entire remaining balance in one lump sum. Interest is calculated based on the outstanding principal, so early payments directly reduce the total interest you'll pay over the life of the loan.