Lending
Credit you apply for, then hear back on.
Personal loans, home lending, auto financing, and business credit start as applications. You see the amount, the term, and the purpose before you submit. A pending loan is not money in a deposit account. Review is on by default. Origination posts only when a banker approves. The published decision target is two business days. A decline finishes the record. You may withdraw a pending application when that setting is on.
What you can apply for
These are applications, not pre-approvals. Published note rates are the schedule before any risk-based pricing a banker applies. A pending loan is not cash. You will not see an approved message while the loan is on hold.
Personal loans
A fixed amount, a purpose, and a term.
- ·$1,000 to $50,000. Published note rate 8.99% before risk-based pricing. Term up to 60 months. Origination fee published at 0, so nothing is deducted from proceeds by default.
- ·The payment you see before you submit is calculated from that application. It is not a commitment until a banker approves.
- ·Payments post on the loan, in cents. The dashboard shows what you owe. There is no second balance hiding beside it.
Home lending
A mortgage against a property you name.
- ·$50,000 to $2,000,000. Published note rate 6.75%. Longest term 360 months. Maximum loan-to-value 80%. Above that, mortgage insurance is usually required and is not priced on this page.
- ·Documents stay on the application. Review is on by default. Decline closes the record. Approval is what originates the loan.
Auto financing
The amount financed after your down payment.
- ·$5,000 to $80,000. Published APR 6.99%. Term up to 72 months. Maximum loan-to-value 120% of the vehicle, including add-ons.
- ·The vehicle and the documents stay with the application. A pending auto loan does not fund the seller.
Business credit
A line or a term facility for the company.
- ·$5,000 to $250,000. Published rate 8.99%. A term can run 60 months. A line revolves inside the approved amount.
- ·The facility is reviewed by default. It does not become operating cash until it is released onto the business book.
The decision and the ledger are the same event.
When a banker approves, origination posts in cents and the loan appears on the dashboard with a status you can read. When a banker declines, the record finishes and nothing funds. You can withdraw a pending application if that setting is still on. The published target is a decision in two business days. That target is a service standard, not a promise that credit will be granted.
What this page does not do.
It does not pull a credit report by itself, it does not lock a rate, and it does not show a payment as if the loan were already booked. The agreement on the application is the credit agreement. Advertising here, including the published note rates, is the schedule a banker starts from.