Personal Loans.
A Clear Path Forward.
Explore financing for important personal expenses or debt consolidation, with an initial review based on your credit profile and ability to repay.
Soft-pull prequalification does not lower your credit score. Prequalification does not guarantee approval.
Large Loan Amounts
$25K – $500KUnsecured funding based on your credit profile and verified income.
Competitive Rates
7% – 21% APRExplore competitive rates without pledging collateral.
Flexible Terms
1 – 7 YearsPlan ahead with predictable, fixed monthly payments.
Subject to lender approval. Available amounts, APRs, and terms depend on your qualifications and lender requirements.
Who Can Qualify?
Review these initial requirements before starting. Your full financial profile determines the options available.
680+ Personal Credit Score
This program is designed for applicants with a personal credit score of at least 680. Lenders also review payment history, outstanding balances, and overall credit profile.
U.S. Citizenship or Residency
Applicants must be U.S. citizens or lawful permanent residents living in the United States. Identity and residency documentation may be required.
Stable, Verifiable Income
Regular employment, a pension, or income from your own business may support your application. Income must be documented and sufficient for the amount requested.
Capacity to Repay
Your income is considered alongside existing debts and financial obligations. Meeting the credit threshold alone does not guarantee approval or a particular amount.
No Score Impact.
Have a 680 credit score? The soft inquiry itself will not lower it.
680+ is the program’s initial credit threshold.
Explore Options With Confidence
Your initial prequalification uses a soft credit pull to review your credit profile without reducing your credit score.
If you continue, the lender may request additional documents and a hard credit inquiry, which can affect your score. Review the lender’s disclosures before authorizing the next step.
Put Your Loan to Purpose
Start with a specific need and an amount you can comfortably repay.
Debt Consolidation
Combine eligible debts into one loan payment. Compare APR, fees, term, and total repayment cost against your current debts before deciding.
Home Improvements
Plan for eligible repairs or renovations with a defined borrowing amount and repayment schedule.
Major Personal Expenses
Explore financing for eligible planned expenses or unexpected costs, based on your budget and repayment capacity.
Permitted uses vary by lender. Confirm your intended use is eligible before accepting an offer.
A Clear Application Process
Share Your Needs
Provide your requested amount, intended use, and basic information about your income and credit profile.
Complete Prequalification
Your information and a soft credit pull help assess initial eligibility without lowering your credit score.
Verify Your Information
If you proceed, submit the requested documents to verify identity, residency, income, and financial obligations.
Review Your Offer
Compare APR, fees, monthly payment, term, and total repayment amount. Final approval and funding depend on lender requirements.
Documents to Have Ready
Requirements depend on your income source and the lender reviewing your application.
Identity & Residency
Government-issued identification and documentation supporting citizenship or permanent residency, as requested.
Employment Income
Recent pay stubs and other requested records showing regular employment income.
Pension Income
Pension statements or other records documenting regular pension payments.
Self-Employment Income
Tax returns, bank statements, or other requested records supporting income from your own business.
Submit sensitive documents only through the designated secure application or upload process.
Your Questions, Answered
Will prequalifying lower my credit score?
No. Initial prequalification uses a soft credit pull, which does not lower your score. A later lender application may require a hard inquiry.
Does a 680 score guarantee approval?
No. Lenders also evaluate income, existing debts, credit history, and other requirements. A 680+ score meets the initial credit threshold for this program.
Who meets the residency requirement?
This program accepts U.S. citizens and lawful permanent residents living in the United States, subject to verification and lender requirements.
Can I apply with pension or self-employment income?
You may qualify if your income is stable, verifiable, and sufficient to support repayment. Required documents depend on your income source.
How much can I borrow?
Available amounts depend on your credit profile, documented income, existing debts, and lender limits. Request an amount that fits your repayment capacity.
Is prequalification a final approval?
No. Final approval depends on verification of your information and satisfaction of the lender’s requirements.
Ready to Explore Your Options?
If you have a 680+ credit score, U.S. citizenship or permanent residency, and stable, verifiable income, start with a soft-pull prequalification.
Questions first? 866-257-2973
Monday–Friday, 9 AM–6 PM ET
All financing is subject to lender approval. Eligibility, availability, amounts, rates, fees, and terms vary by lender and applicant qualifications. Prequalification does not guarantee an offer or funding.