Yes, we tested it. Yes, it actually works. Here's the full process — no surprises, no fine print.
One simple form. We ask for your name, address, income, and Social Security Number — only what's legally required for a soft credit check.
Snap a photo of your ID with your phone, then connect your bank account using Plaid (same technology Venmo and Cash App use). Your bank login never touches our servers.
See your real APR and what you'd pay each month. Slide to pick the amount and term that fits your budget — the calculator updates in real time so there are no surprises.
Sign the agreement digitally and the money lands in your bank account. Cash advances under $500 take an average of 47 seconds. Personal loans take 1 hour during business hours, next business morning otherwise.
The whole approval process takes about 2 minutes. Here's what's running while you wait.
Equifax checked silently — your score is never affected
ID photo matched against database via OCR + face match
Plaid pulls last 90 days of deposits to confirm income
87 data points reviewed, APR calculated and offered
We look at your full financial picture — not just a number a bureau gave you.
Consistent paychecks (or freelance deposits) matter more than total income. We approve gig workers and freelancers all the time.
How long has your account been active? Any overdrafts? We use this to estimate cash flow and repayment likelihood.
We calculate your debt-to-income ratio — but we look at it generously. Even with high debt, we often approve.
Full-time, part-time, self-employed, retired — all welcome. We don't discriminate by employment type.
Used as one signal among many. Thin credit files are fine. Past struggles? Also fine if you're stable now.
Race, gender, religion, marital status, national origin, age (over 18), or whether you've received public assistance.
Free, no commitment, won't affect your credit score.