How it works

Personal loans of $2,000–$10,000 for Florida residents: a simple application, transparent terms, and funding by ACH after approval.

  1. 01

    Bank connection

    We use Plaid to securely link your primary income account. No manual bank statements, no paperwork. Your data is encrypted in transit and used only for underwriting your application.

  2. 02

    Identity verification

    A quick scan of your government ID and a selfie. We verify your identity to prevent fraud and to comply with federal and Florida lending requirements.

  3. 03

    Automated underwriting

    Our underwriting engine reviews your verified income and cash flow, not just a credit score, to determine whether we can extend an offer and on what terms. Every approval is also reviewed by a human underwriter before funds move.

  4. 04

    Funding

    Once you review your Truth-in-Lending disclosure and e-sign your promissory note, a human underwriter completes a final review. Approved funds are sent to your linked bank account by ACH, typically within 1–2 business days.

Apply

Check your eligibility with an application. All loans are subject to credit approval and identity verification.

Start an application

Loans made under the Florida Consumer Finance Act (Chapter 516). Approval, loan amount, and terms depend on underwriting, including identity, income, and bank-account verification. Funding times depend on your bank's ACH processing.