How short-term loans work
Understand eligibility, application review, offer disclosures, funding, and repayment before you decide.
Start with the information you need to make a decision.
Complete the online application, wait for an eligibility decision, and carefully review any offer. Approval is not guaranteed. If approved, funding timing depends on verification, processing, and your financial institution.
How do I qualify?
Basic criteria include the following, but meeting them does not guarantee approval:
- Must make equivalent to at least $800 USD per month *
- Must be at least 18-years of age
- Must have an active checking account
- Must have been employed or receiving an equivalent reoccurring income for at least one month
- Other requirements may apply during the application process
Your Application Process
Apply online, review any offer and disclosures, then sign only if the finance charge, APR, total repayment amount, and due dates fit your budget. If approved, deposit timing varies.
Your Repayment Options
- 1
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Pay in Full.Your loan is due in full on your first due date. The full amount due will be deducted from your bank account on this date unless you are eligible to set up an Extended Repayment Plan.
- 2
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Set up your own Extended Repayment Plan.Can't pay your loan in full on your due date and need more than one payment? Contact customer service before the due date to ask whether an Extended Repayment Plan is available. (Please note: By extending repayment of your loan over more than one payment you will incur additional finance charges resulting in a higher payback amount at the end of your loan term. You will be required to sign a new agreement with us confirming your extended repayment schedule.)If you want to repay early after setting up an extended schedule, confirm the payoff amount and any applicable terms with customer service.
Apply when you are ready to review your options.