Simple. Transparent. Built in California.
Getting a loan shouldn't feel like a math test. We've replaced complex interest with a Fixed 10% Rate and flexible 24–60 month terms. Here is our 3-step PST-speed process.
1Step One
Check Your Rate
Start by filling out our secure digital form. It takes less than 5 minutes and uses a “soft” credit pull, so your score won't budge.
- Zero Impact on your credit score for the initial offer
- $0 Upfront Fees—No application or processing costs
- PST Speed: Our California team reviews applications in real-time
- 100% Online—No paperwork, no faxing, no hassle
Real-time California Processing
2Step Two
Choose Your Terms
Once approved, we don't give you a “range.” We give you a Fixed 10% Rate. You decide how long you need to pay it back—anywhere from 24 to 60 months.
- Fixed Rate Guarantee: Borrow $5,000, pay back $5,500. Total.
- Flexible Repayment: Choose a term from 24 to 60 months to fit your budget
- No Hidden Fees or Balloon Payments: Your total repayment amount never grows
- $0 Origination Fees: The amount you’re approved for is the amount you get
Zero Upfront Fees
3Step Three
Funded in 24 Hours
Accept your offer and the funds are dispatched directly to your US bank account. We move at California speed to get you the relief you need.
- Direct Deposit to any US-based bank account
- Next-Day Funding: Finalize by 2 PM PST to receive funds the next business day
- No Prepayment Penalty: Pay it back early at any time and save
- Local Support: Our California-based team is here to help during PST hours
Funds Deposited
Real-time California Processing
Zero Upfront Fees
Serving All 50 US States