A valid ID confirming you are 18 or older, details of your recurring income (source, pay frequency, typical amount), an open checking account, and a phone number plus email where lenders can reach you with the decision. Everything happens online — no documents to fax or drive anywhere.

About three minutes for the starter request and a few more for the income and banking steps. Most applicants finish in one sitting from a phone, and decisions from lenders typically arrive within minutes to a few hours.

Yes — data travels over encrypted connections, is handled under our Privacy Policy, and is shared only with the lenders and partners needed to process your request. Your Social Security number is never sold, and you can ask what we hold at any time.

Applying is free, and submitting the request involves no hard credit check. You review written offers with the full cost before committing — the only expense in the process is the fee inside an offer you choose to sign.