From estimate to done, step by step
Five stages, most of them measured in seconds. Here's exactly what happens at each point and what you're agreeing to before you agree to it.
Soft credit check · No impact to your credit score
The five stages, in detail
Designed to happen at the point of service — while you're still with your provider.
Approved in seconds
Everything happens on your phone
Check your rate
Enter a few details about yourself and the amount you need. This uses a soft credit inquiry, so your credit score isn't affected and there's no obligation to continue.
Review your offers
If you're approved you'll see your available plans, each showing the monthly payment, APR, term length, and total cost. Qualified borrowers may see 0% APR options.
Choose your plan
Pick the term that fits your budget. Shorter terms cost less overall; longer terms lower the monthly payment. You confirm the full terms before anything is finalised.
Get the work done
Your provider is paid for the job and you get the service you need — the repair, the treatment, the installation.
Pay over time
Repay in fixed monthly instalments on the schedule you agreed. No late fees, and no penalty if you clear it early.
What you'll need to hand
Basic personal details
Your name, date of birth, address, and contact information.
A valid U.S. bank account
Used to set up your monthly repayments.
SSN or ITIN
Required to verify your identity and check eligibility.
The amount you need
Ideally from a written estimate, so you finance the right figure.
What happens after you're approved
Approval isn't the end of the process — it's the point where you get to make a decision.
You see real numbers, not estimates
Your offers show the APR, the monthly payment, the number of payments, and the total you'll repay. That last figure is the one worth comparing between plans, because a longer term always lowers the monthly payment while usually raising the total cost.
Nothing is binding until you accept
You can walk away at any point before accepting. Because the initial check is a soft credit inquiry, looking costs you nothing — soft vs hard credit checks explains why that matters.
Your schedule is fixed
Once you accept, your APR and monthly payment are set for the life of the loan. There's no variable rate to track and no promotional deadline to miss. For the full breakdown of what is and isn't charged, see rates and fees.
How it works — common questions
Most people finish in a few minutes. Checking your rate takes about two minutes, the decision usually comes back within seconds, and choosing a plan takes another minute or two.
Once your loan is finalised and the work is complete, your provider receives payment for the job. You then repay in monthly instalments — the provider isn't involved in your repayments.
You'll be told at the end of the application. Because the initial rate check is a soft inquiry, an unsuccessful check doesn't affect your credit score. Ask your provider about other payment arrangements, or try again later if your circumstances change.
Yes. Checking your rate shows you options with no obligation. Nothing is finalised until you review the terms and accept an offer.
Payments follow a fixed monthly schedule agreed when you accept. You'll know the payment amount, the number of payments, and the payoff date before you commit.
Yes, at any time. There is no prepayment penalty, so paying early simply reduces the interest you pay.
Ready to see your options?
Checking your rate takes about two minutes and won't affect your credit score.