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No. Our loans require no collateral, no money down, and no appraisals. Approval is based on your overall financial profile, not on assets or property.
Most qualified applicants receive funding within 3–7 business days after approval. Actual funding time may vary by lender and loan type.
Interest rates start from 5% APR for well-qualified applicants; rates and terms vary by lender with flexible repayment terms from 3 to 7 years. There are no prepayment penalties, so you can pay off your loan early at any time without extra fees.
The Funding Readiness Plan is a customized preparation program designed to improve your credit and strengthen your financial profile — increasing your chances of qualifying for larger funding amounts. It’s the foundation that helps you get approved faster and for more money.






