12M Loan
From first click to funded loan, the process is five steps and typically under 24 hours: prepare, request, compare, accept, fund. Every step below is annotated with what actually happens behind it — including the two steps where borrowers most often stall, and how not to.
Step 1: Prepare your details
Ten minutes before the form saves days after it: government ID at hand, income figure calculated honestly, checking and routing numbers copied from a statement, and every name and address matching across documents. The full preparation checklist lives on the eligibility page.
Step 2: Complete the five-minute request
One form covers identity, income, state, and the amount you need. Submission triggers soft credit checks only — invisible to your score — and costs nothing. The form lives on the apply page and on the home page.
Step 3: Receive and compare offers
Lenders licensed for your state respond, typically within minutes in business hours. Each offer discloses its APR, monthly payment, total of payments, and fee terms — the four numbers to read on every offer, every time, with the rates guide as your calibration.
Step 4: Accept one, or none
Accepting moves you to that lender's own site for final verification and e-signature; this is where a hard inquiry may occur, always disclosed first. Declining everything costs nothing and marks nothing — about one in five requesters does exactly that.
Step 5: Get funded and repay monthly
Signed loans fund by direct deposit, typically the next business day, same-day where you beat the lender's cut-off. Repayment runs in fixed monthly installments to a printed zero date — with early payoff, usually penalty-free, always available.
Where Borrowers Stall, and the Fix
Two stalls account for most delays. Verification friction at step two — mismatched names, transposed account digits, income the automated systems could not read — fixed almost entirely by the ten minutes of step one; the eligibility page itemizes every check. And comparison paralysis at step three — five offers, all expensive-looking, no frame — fixed by the four-number reading drilled in the rates guide and stress-tested in thirty seconds on the calculator. Neither stall is a rejection; both are solvable the same day.
What Never Happens Here
No fee is ever charged to request, compare, or decline. No guarantee of approval is ever made — by us or any legitimate lender. No offer obligates you by existing. And no figure on this site overrides the loan agreement you sign: the disclosure document is the loan, which is why step three is the step this whole site was built to serve. Questions the five steps leave open are usually answered in the FAQ; the ones that are not reach a human through the contact page.