How It Works is not a lender and does not make short term loans or credit decisions.  We are a loan connecting service where we connect consumers with independent third party lenders. You can request a loan online from your home computer or from any mobile device. Since this process occurs in real time, it’s very fast.  If one of our lending partners accepts your loan request, you will receive an offer from that lender with terms and conditions of the loan.  If you agree to the terms (and you may decline them), the money could be available for use as soon as the same day.  Note that funding times vary by lender, and the same day funding option may not available for all lenders.

Each lender has their own individual criteria that must be met, but typical minimum requirements include, but may not be limited to:

  • Must be 18 years of age or older
  • Must have a valid checking or savings account with direct deposit
  • Minimum monthly income of $1,000 per month
  • Must not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is) serving on active duty under a call or order that does not specify a period of 30 days or fewer.

Please see our FAQ’s for more information about the process.