Check Your Rate

Checking your rate takes about five minutes, uses a soft credit inquiry that will not affect your FICO® score, and costs nothing. You are not committed to anything until you read a full written offer and e-sign it.

What you will need

• Your full legal name, address and date of birth
• Social Security number or ITIN
• Income details, and your employer or income source
• The routing and account number of the checking account you want funded
• A government-issued photo ID, if we ask for one

Most applications need no documents at all, because income and identity are verified electronically through a secure read-only connection to your bank. Full detail in how it works.

What happens next

Stage	Timing
Decision on your application	Usually within minutes
You review the written offer	As long as you need; nothing is owed
You e-sign	Only if the terms work for you
Funds released	Same business day if signed before 11 a.m. ET

What your offer will show

Not a summary: the APR, the finance charge in dollars, the amount funded after any origination fee, every payment date and amount, the total of payments, and the fees that apply if a payment is late or returned. See rates and terms for the ranges before you start.

Applying safely

We never ask for payment before funding, never ask for your online banking password, and never contact you unsolicited offering approval for a loan you did not apply for. If something claiming to be us does not match that, check how to spot a loan scam and tell us.