Terms & Conditions
Please read our comprehensive terms and conditions carefully before applying for any loan products or services.
Table of Contents
Loan Terms & Conditions
Loan Amounts
- Personal Loans: $1,000 - $100,000
- Home Loans: $50,000 - $2,000,000
- Business Loans: $25,000 - $500,000
- Auto Loans: $5,000 - $150,000
Interest Rates (APR)
- Personal Loans: 5.99% - 24.99%
- Home Loans: 3.25% - 7.50%
- Business Loans: 6.99% - 18.99%
- Auto Loans: 4.49% - 15.99%
General Terms
- 1 Loan Duration: Ranges from 12 months to 30 years depending on loan type and amount.
- 2 Processing Time: Loan approval and disbursement typically takes 1-3 business days after completing the application.
- 3 Prepayment: No prepayment penalties on any loan products. You may pay off your loan early without additional charges.
- 4 Grace Period: 3-month grace period provided for first-time borrowers to begin repayment after loan disbursement.
- 5 Late Payment Grace: Additional 3-month grace period provided before legal action is taken for missed payments.
Eligibility Requirements
Basic Qualifications
- Must be at least 18 years old
- U.S. citizen or legal resident
- Minimum annual income of $25,000
- Valid government-issued photo ID
- Stable employment history (minimum 2 years)
Required Documentation
- Driver's License or State ID
- Social Security Card
- Recent Pay Stubs (last 2 months)
- Bank Statements (last 3 months)
- Proof of Residence (utility bill within 90 days)
Credit Score Requirements
Minimum credit score of 580 required. Higher credit scores may qualify for better interest rates and terms. We welcome borrowers with fair to excellent credit.
Application Process
Apply Online
Complete our secure online application form with your personal and financial information.
Document Review
Upload required documents and wait for our team to review your application.
Quick Approval
Receive approval decision within 24-48 hours of submitting complete application.
Funds Transfer
Upon approval, funds are transferred directly to your bank account within 1-3 business days.
Application Processing Timeline
- Initial application review: Within 2 hours
- Credit check and verification: 24-48 hours
- Final approval decision: 1-3 business days
- Fund disbursement: 1-3 business days after approval
Ready to Apply?
Now that you've reviewed our terms and conditions, you're ready to start your loan application process.
Need Help Understanding Our Terms?
Our customer support team is here to help clarify any questions about our terms and conditions.