Frequently Asked Questions
Have questions about how our loan products work? Find clear, straightforward answers about our rates, process, and options.
How can we help?
Click any question below to see its answer. If you don't find what you're looking for, feel free to contact our advisors directly.
What do I need to apply for a loan?
We keep our process as simple as possible. Generally, you will just need basic proof of identity (like a driver's license), recent bank statements or pay stubs to verify your income, and a simple application form. Our advisors will walk you through it without any complex financial jargon.
How long does the loan approval process take?
Once you submit your straightforward application online, a dedicated lending advisor will review it within 24 hours. We will contact you directly to outline your pre-approved options and answer any questions.
Are there any hidden fees or prepayment penalties?
No, we believe in complete honesty and transparency. There are no application fees, no setup fees, and absolutely no penalties if you choose to pay your loan off early. Your terms will be clearly presented in plain English before you sign.
How is my interest rate determined?
Your interest rate is based on the loan type, your requested amount, the duration of the repayment term, and your credit history. We offer competitive rates starting at 4.2% APR for equipment/home loans, and our advisors work hard to match your budget.
Still have questions?
Our advisors are happy to walk you through the process, answer interest rate questions, or help you complete your application.