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loan offer is waiting.‡

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 Checking won’t impact your credit score.†

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Get funds in as little as 24 hours#

Receive your money as early as the next business day after approval.

Reduce your rate with on-time payments♢

Lower your total cost of borrowing by keeping your account in good standing.

No pre-payment penalties

Pay your loan off early at any time without any pre-payment fees or hidden costs.

Have questions?

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  • Click “Send Verification Email”
  • Click the link in the email once you receive it

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‡THIS PRE-QUALIFIED OFFER IS NOT A GUARANTEE OF LOAN APPROVAL. You have been included in this pre-qualified offer because you met a set of credit criteria. To obtain a loan, you must be eligible for the offer, complete the application process in a timely manner, have a valid checking account and meet our credit criteria when we review your application. For more details about this pre-qualified offer please visit https://www.personifyfinancial.com/prequalification

#Funds are disbursed on the next business day, if approved and signed by you by 11:59 PM CT. Actual availability of funds depends on your financial institution’s policies.

†We may perform a "soft" inquiry to show you available offers for which you may be qualified. Soft inquiries do not affect your FICO® score. If you choose to submit an application for credit, we will perform “hard” inquiries which may affect your credit score.

◊The rate reduction program is applicable only to loans with an APR greater than 35.99% and with loan repayment terms greater than 6-months. Your interest rate will not be reduced below the program minimum interest rate of 24.00%.

After 6 months of on-time payments, your interest rate is automatically reduced by 2.00% points, which also reduces your payment amount for the remaining of the loan without changing the maturity date. The savings amount is the total amount of finance charges saved over the term of the loan, assuming on-time payments and the rate reduction being applied every 6 months throughout the full loan term. In the loan agreement when disclosing the APR, finance charge, total amount to be paid, as well as the number and amount of payments to be made, the lender has assumed that each payment you make will be an on-time payment. Payments made late will cause the APR, finance charge, and total of payments to be greater than the amount shown in your loan agreement.