How Personal Loans Work

Our simple 4-step process makes getting a personal loan fast and easy. Apply online in 5 minutes and get funds as soon as the same day.

4 Simple Steps to Your Personal Loan

From application to funding, our process is designed to be fast and stress-free.

Start your personal loan application online from anywhere. Our simple form asks for basic information about you and the loan you need.

Based on your information, we'll provide personalized loan offers with rates and terms designed for your situation.

Provide documentation to verify your identity and income. You can upload documents online or visit a local branch.

Once approved, receive your personal loan funds as fast as the same business day. Money is deposited directly into your bank account.

Over 100 years of helping Americans with their personal loan needs.

Get your personal loan funds as fast as the same business day after approval.

We look beyond your credit score. Bad credit? We can still help with personal loans.

Get face-to-face support at any of our branches across 44 states.

Pay off your personal loan early without any additional fees.

Your rate and monthly payment stay the same for the life of your loan.

Established in 1912, serving over 10 million customers nationwide.

Have these items ready to speed up your personal loan application.

Driver's license, state ID, or passport

Recent pay stubs, W-2s, or tax returns

For identity verification purposes

For direct deposit of your funds

Senior Financial Advisor

NMLS Licensed • Certified Financial Planner • 15+ Years Experience

David ensures all our process information is accurate and helpful for customers seeking personal loans.

Apply for your personal loan today. It only takes 5 minutes.