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Our streamlined application process typically takes 10-15 minutes to complete online. Once submitted, you'll receive a pre-approval decision within 24 hours. Final approval and funding usually occur within 2-5 business days, depending on the loan type and required documentation.

Required documents typically include:

• Government-issued photo ID
• Proof of income (pay stubs, tax returns)
• Bank statements (last 2-3 months)
• Social Security card
• Proof of residence (utility bill, lease agreement)

Additional documents may be required based on your specific loan type and financial situation.

Your interest rate is determined by several factors:

• Credit score and credit history
• Income and debt-to-income ratio
• Loan amount and term length
• Employment history and stability
• Loan type and purpose
• Current market conditions

Use our rate calculator to get a personalized estimate based on your specific situation.

No, we believe in complete transparency. All fees are clearly disclosed upfront, including origination fees, processing fees, and any applicable penalties. There are no hidden charges or surprise fees. You'll see a complete breakdown of all costs before you sign any agreement.

You can track your application status through multiple channels: log into your online account dashboard, use our mobile app, call our customer service line, or check your email for automated updates. We provide real-time notifications at each stage of the approval process.

We accept multiple payment methods for your convenience:

• Automatic bank transfers (ACH)
• Online payments through your account
• Phone payments
• Check by mail
• Money orders

We recommend setting up automatic payments to ensure you never miss a payment and potentially qualify for rate discounts.