When can I reapply after paying?

Once your final payment clears on our end, we will immediately reset your account and allow you to reapply for a new loan. 

If you're thinking about paying off your current loan early and are in need of immediate access to money, please keep our processing times in mind. 

Payment processing times: 

  • Payments made directly from your checking or savings account, via automatic bank transfer, typically take 4 business days to clear on our end (from the day they were pulled from your bank account). For example, payments made on a Friday will clear the following Thursday.  

  • Payments made using a debit card usually clear within an hour of being pulled from your bank account. However, in some instances, there are delays of up to 4 hours.

Loan application review times:  

  • We reach a decision on most loan applications within 24 hours. However, if more information is needed there may be a delay. 

Loan disbursement processing times: 

  • If your loan is approved and you select to receive your loan deposit via automatic bank deposit, it will take another 1-2 business days for your deposit to arrive.

  • If your loan is approved and you select to receive your loan deposit via debit card, it may take up to 4 hours for your deposit to arrive. 

There unfortunately isn't a way to speed up these processing times. We appreciate your patience! 


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