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 with a debit card typically clear within 24 hours of being pulled from your bank account. 

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! 

Notes: 

*Florida residents: please be aware that due to Florida state regulations, there is a 24-hour waiting period before you can reapply for a new loan after the final payment has completed processing on our end.  

 

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