FAQs

When will I receive my money?

In most cases, we transfer your money directly to your bank account within 24 business hours of your application being accepted.

Can I borrow money even if I have bad credit?

Yes, you can borrow money even if you have a poor credit history. However, you must not be in bankruptcy proceedings.

What documents do I need to provide for an application?

If you are applying through the expedited IAV (Instant Account Verification) system, you will not need to provide any documents.

If you are applying through the standard system, you will need to send the following documents:

• Bank statements for the last 30 days
• Social Security Number (SSN)
• Last payslip
• Photo ID, such as a driver's license, state ID card, or passport etc.
• Proof of address, such as a bank statement in your name

Please note that processing times are longer for standard applications.

What is a IAV request?

A IAV (Instant Account Verification) request is an expedited process that allows us to instantly confirm some of your information without you having to provide any documents. This is what allows us to offer such immediate turnaround times.

What is the annual interest rate on your loans?

Interest rates vary by lender, loan amount, term, and your individual application. The exact APR will be disclosed by your matched lender before you sign any agreement."

Can I borrow money if I'm paid in cash or by check?

Unfortunately, no. Your salary must be paid by direct deposit to qualify for a loan.

Can I borrow if I am self-employed?

Unfortunately, no. You must be an employee who receives their pay via direct deposit to obtain a loan.

Are the loans confidential?

Yes, our loans are 100% confidential.

Is an application using IAV secure?

Absolutely. IAV is simply a document that confirms the accuracy of your information. Under no circumstances can we access your bank account or modify your banking details.

For what reasons might my loan be refused?

Your loan could be refused if you do not meet the eligibility requirements. It could also be refused if, among other things:

• you have had several recent non-sufficient funds (NSF) payments;
• we believe you might have difficulty repaying your loan;
• your income over the past three months is not sufficiently stable.

What happens in the event of non-payment?

If you do not repay your loan and/or do not cooperate, the debt will be sent to collections.

Will you have access to my bank account?

No, not at any time. We will never have access to your password or username. If you submit an application via IAV, we will only receive a read-only copy of your bank statement.

Are there any documents to submit with a IAV application?

No. This method is faster and simpler, and you do not need to submit any documents.

What are the benefits of IAV?

This method is faster and simpler, and you do not need to send any documents. It is completely secure, and your application takes just 3 to 5 minutes to complete.

Which forms of identification are accepted?

We accept the following forms of photo identification:

• valid driver's licence;
• valid health insurance card;
• valid passport.
• valid state ID card
• Social Security Number (SSN)

What proofs of residence are accepted?

We accept bills that show your name and address. For example, your electricity bill or telephone bill is accepted.