The Process

HOW IT WORKS

Four straightforward steps — from opening the app to seeing money in your account. No surprises, no runaround.

1
5 min
Application
2
~15 min
Decision
3
5 min
Sign Agreement
4
~24 hrs
Funds Deposited

FILL OUT THE APPLICATION

Our online form is designed to take under 5 minutes on any device. You'll provide basic personal details, employment information, monthly income, and your bank account routing number. No uploading documents, no faxing, no notarizing.

Everything happens securely through our encrypted platform. We collect only the information required by law to evaluate your application and disburse funds.

  • Full legal name and date of birth
  • Current address (must be a US state)
  • Social Security Number (for identity verification)
  • Employment status and monthly take-home income
  • Bank account routing and account number
Loan Application
John Smith
Annual Income: $42,000
Checking ••••4821
Loan Amount
$100$500$1,500
Continue →

INSTANT DECISION

Our automated decisioning engine evaluates your application in real time, assessing your current income and repayment ability. Most decisions come back in under 15 minutes. We do not perform a hard credit pull — only a soft inquiry that doesn't affect your credit score.

Our system looks at factors like: your stated income, employment duration, bank account age and activity, and history with ActiveHours if you're a returning customer. We don't use a single credit score threshold to auto-reject applications.

  • Soft credit inquiry only — no score impact
  • Income-based assessment, not just credit history
  • Bad credit accepted — current ability to repay matters most
  • Decision notification sent by email and SMS
✓
APPROVED
Decision in 11 minutes
Requested Amount$500
Approved Amount$500
Finance Charge$75
Credit CheckSoft Pull Only

SIGN YOUR AGREEMENT

Once approved, we email you a complete loan agreement. Read it carefully. It contains the exact loan amount, the total finance charge, the APR, the repayment date, and your total repayment amount. There are no additional fees that will appear later.

Sign electronically with a single click. The agreement is legally binding in your state. If you have any questions about the terms before signing, call us — we'll explain every line.

  • Full terms disclosed before signing — no surprises
  • APR disclosed per Truth in Lending Act requirements
  • Exact repayment date shown upfront
  • Electronic signature is legally valid
  • Cancel before signing with no obligation
Loan Agreement
✍ John Smith — Signed
✓ Agreement Signed & Accepted
Loan Amount$500
Repayment DueJun 17, 2026
Total Repayment$575

RECEIVE YOUR FUNDS

After signing, we initiate an ACH transfer to the bank account you provided. Most customers see funds the next business day. Applications signed before 11 AM Eastern Time on a weekday often receive same-day deposits, depending on your bank's processing schedule.

We'll send you a confirmation email once the transfer is initiated. You'll also receive a reminder 3 days before your repayment date so you're never caught off guard.

  • ACH direct deposit to your US bank account
  • Same-day funding possible for early applicants
  • Email + SMS confirmation when funds are sent
  • Repayment reminder sent 3 days before due date
  • Early repayment accepted — no penalties
Funds Transferred
$500
Deposited to ••••4821
✓ Transfer in progress — arrives by 9 AM
Transfer MethodACH Direct Deposit
InitiatedToday, 10:42 AM ET
Est. ArrivalTomorrow 9:00 AM
Repayment DateJun 17, 2026
WHO QUALIFIES?
🎂

Age 18+

Must be at least 18 years old per federal consumer lending law.

🇺🇸

US Resident

US citizen or permanent resident with valid government-issued ID and SSN.

💼

Regular Income

At least $800/month from employment, benefits, pension, or other verifiable source.

🏦

Active Bank Account

US checking or savings account open at least 90 days. No prepaid cards.

After Your Loan

WHAT HAPPENS NEXT

REPAYING YOUR LOAN

On your agreed repayment date, the total amount (principal + finance charge) is automatically debited from your bank account via ACH. You don't need to do anything — just make sure the funds are available.

We send a reminder 3 business days before the due date. If you want to repay early, contact us and we'll process it immediately — no prepayment penalties, ever.

  • Automatic ACH debit on the due date
  • 3-day advance reminder by email and SMS
  • Early repayment at no extra cost
  • Receipt emailed immediately after repayment

IF YOU NEED MORE TIME

Life happens. If you anticipate difficulty repaying on your due date, contact us before the date — not after. We have several options depending on your state and situation.

Options we can discuss include a loan extension (rollover) for an additional fee, an extended repayment plan that splits the balance over multiple payments, or a customized hardship arrangement for qualifying customers.

  • Loan extension / rollover (state-dependent)
  • Extended repayment plan available
  • Hardship review for qualifying situations
  • Contact us early — the sooner, the more options we have

READY TO START?

Apply in 5 minutes. Approval in 15. Cash tomorrow.