Question 1

Will applying hurt my credit score?

Accepted Answer

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.

Question 2

What if my credit isn't perfect?

Accepted Answer

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.

Question 3

How fast is same-day funding?

Accepted Answer

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.

Question 4

Are there fees I should know about?

Accepted Answer

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.

Question 5

Do I have to visit a branch?

Accepted Answer

No. The whole application, offer, signing, and funding takes about 10 minutes online. Branches remain open six days a week for anyone who prefers to speak with a person.

Question 6

Can I pay off the loan early?

Accepted Answer

Yes, any time, any amount, no penalty. Paying ahead reduces your total interest. Pay by autopay, at a branch, mail, or phone.

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