To qualify, you’ll need a credit score of 680 or higher, no open lines of credit in the past 6 months, proof of $30,000 or more in annual income, and no bankruptcies or foreclosures in the past 5 years. The amount you qualify for depends on your credit score, with flexible return terms of 3, 5, or 7 years.

I am a certified loan broker, bringing professionalism and efficiency to every client interaction. My focus is on providing fast, reliable funding to help you achieve your goals without unnecessary delays.

The process begins with a phone call to verify your qualifications, followed by another call to confirm details and move to underwriting. After completing three calls, you’ll submit an application, which takes just one day to process. Approval can happen the very next day, and funding is typically delivered within four days.

On average, the entire process from the first phone call to receiving funding takes about four days. This means you can act quickly and capitalize on opportunities without waiting weeks.