Personal loans from $25 to $2,500 underwritten with intent. Decisions in hours, not days. APR fully disclosed before you sign anything.
Three short steps. Soft credit pull, no impact to your score. A decision usually before the day is out.
The rules are short on purpose. You should be able to read them in under a minute and hold us to every one of them in writing.
Minimum three-month term. We never offer single-payment loans or anything that has to be repaid in sixty 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.
A printed rate sheet, in plain words. No mystery, and no asterisk you discover at signing.
Representative example: a $1,000 loan with a 12-month term at a 14.99% APR has a monthly payment of approximately $90 and a total cost of $1,083. Your individual APR depends on creditworthiness, requested term, state of residence, and other factors disclosed at the time of offer.
Asked plainly, answered plainly. If something else is on your mind, the phone number on this page rings during business hours.
Q.How fast will I actually hear back?
A.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.
Q.Will applying hurt my credit score?
A.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.
Q.Why is the APR ceiling 35.99%?
A.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.
Q.Can I pay the loan off early?
A.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.
Q.What happens if I miss a payment?
A.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 fifteen days late we may charge a late fee disclosed in your loan agreement, capped by your state’s law.
Q.Where do I file a complaint?
A.Email us first at ceo@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.
A note from the owner —
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.
Yours,
