We're rewriting the rules of traditional banking with a technology-driven approach that allows us to offer lower rates, faster approvals, and a seamless digital experience. Unlike traditional banks, we only win when our customers succeed, which aligns our interests with yours.

A personal loan is an unsecured loan that can be used for various personal expenses. Unlike a mortgage or auto loan, a personal loan doesn't require collateral and can be used for almost any purpose, including debt consolidation, home improvements, medical expenses, or major purchases.

Personal loans typically have fixed terms and interest rates, unlike credit cards which have revolving credit. Personal loans often have lower interest rates than credit cards and provide a lump sum upfront with a fixed repayment schedule, making budgeting easier. Credit cards allow repeated borrowing up to your credit limit as you pay down your balance.

Checking your rate generates a soft credit inquiry which doesn't affect your credit score. Only when you formally apply for a loan will we perform a hard credit check that may impact your score. We use advanced technology to provide accurate rate estimates with minimal impact to your credit.

Once approved, funds are typically deposited into your account as soon as the next business day. The exact timing depends on your bank's processing times. We pride ourselves on our fast approval process, with many applicants receiving a decision within minutes.

No, we never charge prepayment penalties. You can pay off your loan early at any time without additional fees. In fact, paying early may save you money on interest charges. We believe in transparency and fairness in all our loan terms.