Get Approved Fast For The Funds You Need

Our network includes lenders who specialize in high approval rates. While approval isn't guaranteed, we work with providers who consider multiple factors beyond just credit score, significantly increasing approval chances for many applicants. Our overall approval rate for applicants meeting basic requirements is approximately 82%.

Many applicants receive an approval decision within minutes of submitting their application. Some situations may require additional verification, but our lenders prioritize quick decisions to get you answers fast. The average time to decision is approximately 3 minutes for most applicants.

Even if you've been declined by other lenders, you may still be approved through our service. Our lending network includes providers who specialize in working with borrowers who have been turned down elsewhere. In fact, approximately 68% of applicants who were previously rejected elsewhere are approved through our specialized lender network.

Initial pre-qualification through our service typically uses a soft credit inquiry which doesn't affect your credit score. If you proceed with a full application with a specific lender, a hard inquiry may be placed on your credit report, which could temporarily lower your score by a few points. We clearly indicate when a hard credit check will be performed.

Many lenders in our network don't have a strict minimum credit score requirement. Instead, they evaluate your overall financial picture, including income and banking history. This approach allows for higher approval rates, even for those with less-than-perfect credit or limited credit history who might be declined by traditional lenders.

After approval, many applicants receive funds in their bank account as soon as the next business day. The exact timing depends on when your application is approved and your bank's policies for accepting electronic transfers. Some lenders even offer same-day funding for applications approved early in the business day.

Our process is designed to minimize documentation requirements. Most applicants only need to provide basic information during the initial application. Some lenders may request verification documents like recent pay stubs or bank statements, but many approvals happen with limited documentation, making our process much simpler than traditional lenders.