How It Works
Getting the funds you need is quick and easy. Here's our simple process from application to funding.
1
Submit Your Details
Fill out our secure, mobile-friendly online form in less than five minutes. It's safe, confidential, and encrypted.
2
Connect With a Lender
If eligible, we will instantly attempt to connect you with a state-licensed lender from our network who operates in Illinois.
3
Review the Terms
Your matched lender will provide a clear contract with your rates (capped at 36% APR under the PLPA) and payment schedule. Review it carefully.
4
Receive Your Funds
Once you digitally sign the agreement, the lender will transfer the funds to your bank account, often by the next business day.
Basic Requirements
Be at least 18 years old
Be a resident of Illinois
Have a verifiable source of steady income
Have an active checking account in your name
Possess a valid email address and phone number
What You'll Need
- Government-issued ID
- Recent pay stubs or proof of income
- Bank statements (if requested by lender)
- Proof of Illinois residency
Common Uses
Emergency car repairs
Unexpected medical bills
Rent or mortgage assistance
Utility shut-off prevention
Home appliance replacements