How It Works is a lending network, NOT a lender. Our service is completely free and all repayment terms are between you and the lender. Each lender has different loan terms, such as the loan amount, the APR for the loan, repayment schedules, etc.

At, we understand you need help, and you need it quickly. Getting the money you deserve should be simple and painless. This is actually how we have designed our process.

First, complete our no-obligation 5-minute application. It is simple and straight forward: we only ask you for information we need to approve your loan. Your information is also secure as we use the latest technology in website encryption. Immediately after you submit your application, we can match you with a lender. If your not matched, we will tell you.

Upon approval with a third party lender, you will be presented with a loan offer. This will be a detailed document explaining your loan with complete rate and fee disclosure. If everything looks good, you can accept the loan offer using your e-signature. If the loan offer does not satisfy your needs, simply decline. There is never any obligation to accept the loan! You can also exit the process at any time and feel comfortable your information is safe.

Receiving Your Loan

If you choose to accept the loan offered, your funds will automatically be deposited into your bank account you have listed with us in as little as one hour. The latest you will receive your funds is usually one business day.

Paying Back Your Loan

The loan offer will show you your loan payback date, and the ways in which you can pay it off. Typically our customers choose to have it conveniently withdrawn from the bank account the loan was initially deposited into.

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