Personal loans from $500 to $15,000 underwritten with intent. Decisions in hours, not days. APR fully disclosed before you sign anything. All 50 states where applicable law allows.
No cost, no commitment. Doesn't affect your credit score.
A loan specialist will reach out to within four business hours.
Minimum 3-month term. We never offer single-payment loans or anything that has to be repaid in 60 days or less.
Origination, late, returned-payment — disclosed up front and folded into your APR. The number you see is the number you pay.
Pay off early, pay extra any month — there is no fee for paying us back faster. Interest stops the day you do.
Most applicants get an answer within four business hours. The longest part is usually finding a recent pay stub.
Pre-qualification uses a soft credit pull. We only run a hard inquiry once you accept an offer. You stay in control.
The number on this site rings in our office during business hours. A real person answers. Voicemail goes to a human.
No mystery, no asterisk you discover at signing.
Most applicants get a same-day decision and many get one within four business hours. If we need additional documentation we’ll tell you exactly what and why; no “please wait” with no estimate.
No. We run a soft credit pull during the application, which is invisible to other lenders and does not affect your score. A hard inquiry happens only after you accept an offer, when we open the actual loan account.
Because that’s our line. Apple Guideline 3.2.2(ix) prohibits loan apps with maximum APR above 36% inclusive of all fees, and frankly we agree with the policy. We won’t make a loan above that ceiling.
Yes, any time, any amount, no penalty. Interest stops accruing on the principal you’ve repaid. We will never charge you a fee for paying us back faster than the schedule says.
Call us before the due date if you can. We have humans who answer and a track record of finding workable adjustments. If a payment is more than 15 days late we may charge a late fee disclosed in your loan agreement, capped by your state’s law.
Email us first at support@debt-borrow-to-invest.com — we read every complaint. You may also file with the Illinois Department of Financial & Professional Regulation or the federal Consumer Financial Protection Bureau at any time.
We started this company because lending in America had decided that small borrowers deserved big punishments. We disagree, and our APR ceiling is the proof.