Frequently Asked Questions

Does your company charge a fee?

No, we do not charge any fees. However, if you are required to complete a third-party verification process, that service provider may charge a fee separately.

If approved, how long will it take to receive my funds?

Once a guarantee is issued, personal loans are typically funded within 1–2 business days, and in some cases, the same day. Lines of credit may take slightly longer. Funds are generally deposited directly into your bank account or issued by check. Your first payment is usually due about 30 days after you receive the funds. Lenders also report monthly payments to credit bureaus.

Am I guaranteed approval?

If you receive a guarantee from us, then yes—approval is assured. The guarantee is subject to the terms and conditions outlined on this website or in any signed agreement between you and our company. If you also receive a guarantee from one of our lending partners, their specific terms and conditions will apply.

Are the loans unsecured?

Yes. Loans and lines of credit offered under a guarantee are based solely on you as the borrower. No co-signer, homeownership, or collateral is typically required.

How are interest rates determined?

Displayed rates are based on the credit situation you select when applying. However, the final rate is determined by your actual credit profile and the lender’s evaluation. Each lender makes the ultimate decision regarding your rate and loan terms.

How are interest rates decided?

Interest rates are influenced by the credit situation you select when applying. However, your actual rate will depend on your real credit profile and is determined by the individual lender. Each lender makes the final decision on your rate and loan terms.