- Fixed monthly payments
- Soft inquiry—no hard pull
- Direct deposit to your bank
- Clear path to payoff
How It Works (Step-by-Step)
Complete a short, secure form with your income and bank details. We review your ability to repay and present a straightforward offer. If you accept, we initiate direct deposit to your bank. Timing varies by your bank’s posting windows and cutoff times. We’ll send email and portal updates so you know when to expect funds.
- Fill out the online form (minutes)
- Get a fast decision
- Accept and e-sign
- Receive funds by direct deposit
Eligibility & Documents (Cash-Advance Alternative)
Qualifying centers on verifiable income and an active checking account for ACH and deposits. We don’t perform hard credit checks; a soft inquiry may be used to confirm information. Availability and terms vary by state laws and eligibility.
U.S. citizen or permanent resident
Verifiable regular income
Active checking account (ACH/direct deposit)
Costs, APR & Repayment Terms
We publish transparent pricing so you can compare before you commit. APR up to 35.99%, with 61–12 month terms depending on eligibility and state rules. There are no prepayment penalties; a $20 NSF fee may apply for returned payments. See /rates for details and examples.
- APR up to 35.99%
- Terms 61–12 months
- No prepayment penalties
- $20 NSF may apply (returned payments)
Funding Timeline (Same-Day Possible)
Funding speed depends on approval time and your bank’s posting schedule. Same-day deposit may be possible when approvals finalize before your bank’s cutoff and the bank posts the same day. After hours, weekends, or holidays typically post the next business day. Competitors also highlight same-day/next-day timelines; bank processing ultimately controls posting.
Representative Example — Cash-Advance Alternative
A sample $500 installment-loan alternative repaid over 6 months at 35.99% APR results in 6 payments of $92.30 (total $553.78). Your actual APR, term, and schedule may differ based on eligibility and state rules. Review Rates & Terms before accepting any offer.
FAQs — Cash-Advance Alternatives
Get quick answers about our cash-advance alternative—from soft inquiries to funding times and early payoff. We’re a direct lender; same-day deposit may be possible depending on your bank’s cutoff.
1. Is this a payday cash advance?
No. It’s an installment-loan alternative with fixed monthly payments.
2. Do you run a hard credit check?
No—only a soft inquiry; it won’t affect your score.
3. How fast is funding?
Same-day may be possible (bank cutoff applies); otherwise next business day.
4. Can I repay early?
Yes. There are no prepayment penalties; early payoff can reduce interest.
Compare our cash-advance alternative — fast decision & direct deposit.
Footnote: * Same-day deposit depends on bank cutoff and posting times; most others post next business day.