Real loans.
Real people.
Right now.
Personal installment loans from $200 to $5,000. Fixed rates. Same-day funding. Approved by a real human at one of our 412 branches — or apply online in about 4 minutes.
Money when you need it.
Taxes when it's that time again.
Get $200 to
$5,000 today.
Fixed monthly payments. Fixed rate. No surprise fees, no balloons, no rollovers. Same-day funding to your account.
Refund advance up to
$6,500.
Federal and all 50 states filed by a real human — not software. Get your refund advance the same day, at 0% interest.
Four minutes.
Four questions.
Real answer.
No PDF applications. No fax machines. No paperwork chained to a desk. Just quick questions and a real human review.
Quick basics
Name, income, and how much you need. Takes about 60 seconds, no documents needed yet.
Soft credit check
We look at your credit but it won't ding your score. You'll see rates within the hour.
Human review
A branch manager looks at your full picture — not just an algorithm. Every application, every time.
Money in your account
Sign online or at a branch. Funds hit your bank the same day if signed by 3pm.
Get a real answer
in about an hour.
Your rate check is a soft inquiry — it won't touch your credit score. Only when you accept a written offer do we do a hard pull.
"Miss Yolanda took twenty minutes with my pay stubs and just talked to me. Approved for $4,200 the same afternoon."
Not testimonials.
Just people we helped.
"The bank said no because I hadn't had a credit card in six years. Miss Yolanda at the Rutledge Ave branch took twenty minutes with my pay stubs and just talked to me. Approved for $4,200 the same afternoon."
"Been a customer since 2011. Took out four loans over the years, always paid off early. This year they did my taxes too — got my refund advance the same morning. Feels like family, honestly."
"Ivan the branch manager remembered my wife's chemo schedule and pushed our first payment three weeks so we could catch our breath. That's not something an app can do. Will not bank anywhere else."
The people behind
every "yes."
Our branch managers stay an average of 11.4 years. That means the person reviewing your application probably remembers your neighbor's name too.
A doorway you
can walk into. Anywhere.
Physical branches aren't a relic — they're our answer to hold music, denied applications, and lenders who've never seen the towns they lend to.
Charleston, South Carolina
Where it all started — 140 King Street. Same address, same welcome, three generations later.
What your monthly
note might look like.
Sample payments assume our best rate. Your actual rate depends on income, credit, state, and loan purpose — but every dollar is disclosed 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.
Questions,
honestly answered.
Can't find yours? Any branch manager will pick up the phone during business hours.
Full help centerWill applying hurt my credit score?+
No. Rate checks use a soft inquiry that doesn't appear on your credit report or affect your score. A hard inquiry happens only after you accept a written loan offer.
What if my credit isn't perfect?+
Fair-to-good credit is our specialty. A branch manager reviews every application, weighing your income, banking history, and employment alongside the credit report. About 61% of last year's approvals had scores below 670.
How fast is same-day funding?+
Same-day ACH if you sign the loan note before 3:00 p.m. local time on a business day. Next business day otherwise. At a branch, take funds as a check or cash on the spot.
Are there fees I should know about?+
No origination fee. No application fee. No prepayment penalty. The only cost is interest, disclosed as an APR before you sign. Some states permit a small documentation fee that never exceeds $25 and is always disclosed upfront.
Do I have to visit a branch?+
Nope. The whole application, offer, signing, and funding takes ~10 minutes online. Branches remain open six days a week for anyone who prefers to speak with a person.
Can I pay off the loan early?+
Yes, any time, any amount, no penalty. Paying ahead reduces your total interest. Pay by autopay, at a branch, mail, or phone.
Money you need.
A real human answer.
Whether you apply online in five minutes or walk into any of our 412 branches, the answer is the same — respectful, quick, and delivered by a real human.