The best option is to use our smart search that will present you with the best loan options based on your credit, project type and loan amount requested. The rates and terms available are published under each section of our loan portal. Please review all programs before you start to make sure that you have chosen the best program for your situation. We have also provided a wealth of information about credit, financing and home improvement to help educate you on how to find the best program for your situation.
The majority of our loan programs on our loan portal will give an instant approval in 60 seconds or less from the completion and submission of the online application. In certain situations you will not get an instant decision but an response that more time is needed to make a decision. This just means that your particular loan application, the data provided or the information from your credit report is too complicated for the automated underwriting system. You will usually be contacted by the lender or card issuer directly with a final decision within a week or less.
Funding can take as little as 1-3 days but most loans fund in the 5 day range. The credit card products require 2 days to be set up and 5 days to mail the card to the customer. The majority of the cards arrive within 6-7 days from time of instant approval. Once the customer receives the card they simply activate the card and can pay for your project in full. In the case of an unsecured loan the proceeds are generally direct deposited to your preferred bank account and you can pay in cash or write a check with the proceeds.
We recommend that if you are looking for a 0% APR program and you are not approved for enough funds that you also apply for one of the other 0% credit card programs in the same credit category. Sometime you may have to marry two different programs to get to your final number. This also applies to the straight unsecured programs as well.
We have a special area for challenged credit and you may want to apply for those options. In addition there are links to check your credit and score and that may be one of the best places to start to make sure that there is nothing on your credit that you didn’t know about and why you may be getting declined.
There is no place to put the loan amount requested on the credit card or 0% programs. You will automatically approved for the maximum line amount that your credit , income and debt ratio will allow. All of the loan and unsecured loan programs do allow you to request a loan amount and if that amount is not approved you may be presented with a counter offer.
We welcome you to contact us by using our secure contact form. Please be as specific as possible so that we can route your question to the correct staff member that is able to best answer your question. All inquiries are responded to usually within 2 hours during our normal business hours. Our normal business hours are 9:00 AM- 5:00 PM Eastern Standard Time.