To qualify for a loan, we have a minimum credit score requirement of 500. However, please note that meeting the minimum credit score requirement is just one aspect of the loan approval process. Other factors such as income, employment history, and debt-to-income ratio are also considered during the evaluation. While a credit score of 500 or higher increases your chances of approval, it’s important to understand that credit score alone does not guarantee loan approval. We encourage you to apply and speak with our loan officer who will assess your overall financial situation and provide guidance based on your specific circumstances.

To qualify for a business loan, we typically require a minimum of two years in business. This requirement helps us assess the stability and viability of your business. If your business has been operating for less than two years, we encourage you to reach out and discuss your specific situation with our loan officer. They will evaluate various factors such as industry experience, revenue growth, and business plan to determine the best course of action for your loan application.

The maximum loan amount you can qualify for depends on various factors such as your credit history, income, and the type of loan you’re applying for. We evaluate each application on a case-by-case basis to determine the loan amount you’re eligible for.

The documents required for a loan application may vary based on the type of loan and your specific circumstances. Generally, you’ll need to provide proof of identity, income verification (pay stubs, tax returns), bank statements, and information about any existing debts or assets. Our loan officer will guide you through the specific document requirements during the application process.

The loan approval process can vary depending on the complexity of your application and the type of loan you’re applying for. Typically, it takes anywhere from a few days to a few weeks. We strive to process applications as efficiently as possible and will keep you informed about the progress throughout the process.

We understand that you may want to pay off your loan early. We offer various loan options, some of which have no prepayment penalties. Our loan officer will provide you with detailed information about prepayment penalties, if applicable, during the loan application process.

Yes, we offer loan options for individuals with less-than-perfect credit. While having a good credit score can improve your chances of approval and potentially secure more favorable terms, we strive to work with borrowers from various credit backgrounds. We assess loan applications holistically, taking into account your overall financial situation.

We offer a range of loan options to meet different needs, including personal loans, auto loans, and business loans. Each loan type has specific eligibility requirements and terms. We will guide you through the available options and help you choose the best loan for your situation.

Once your loan is approved, the time it takes to receive the funds can vary. Typically, it takes a few business days for the funds to be disbursed. However, certain factors such as the method of disbursement and any additional documentation required may affect the timing. We will provide you with an estimated timeline during the loan approval process.

If you need to make changes to your loan application after submission, please contact our loan officer as soon as possible. While we strive to accommodate changes, some modifications may require a reevaluation of your application. Our team will assist you in making necessary adjustments based on your specific situation.