The process begins by simply completing our safe and secure on line application. Our application should only take a few minutes to complete. Once completed and submitted, you will receive an instant credit decision in most cases. Your credit decision will include the amount you have been approved for, the term of the loan as well as the interest rate you have qualified for. Please read the terms of the loan. Do not accept any loan that you do not fully and completely understand. If you choose to accept the loan, simply complete and return the paperwork as required. Your funds will be transferred to the bank account you designate. In cases involving applicants with below average credit scores, funds may be received in the form of a check or draft from the lender.