Applying for a loan only takes a few minutes. This article walks you through how to start your application, what information you'll need, and what happens after you submit it.

Step 1: Start Your Application

There are two easy ways to start:

Step 2: Complete the Application

The application has five short sections. You'll move through them one at a time, and you can always see which section you're on.

Get Started – Enter your basic contact information, like your name, phone number, and email address.

Information – Enter your personal details, such as your home address, date of birth, and Social Security number.

Finances – Tell us about your employment and income.

Funding – Choose the branch that will service your loan.

Submit – Review your application, then submit it.

Step 3: What Happens After You Submit

After you submit your application, we'll do a soft credit check to make a pre-qualification decision. A soft credit check won't impact your credit. If you're approved, we'll show you the loan amount you're approved for, pending verification of your documents. If you're not approved, we'll send you an email explaining why.


You'll then be asked to create a password. This sets up your portal account, where you can upload documents and check your application status.

Step 4: Upload Your Documents

Sign in to your new portal account and upload the documents we ask for. To see the full list of documents you may need, see Which Documents Are Needed to Apply for a Loan. Once your documents are verified, your loan will be approved for funding.

Will Applying Affect My Credit?

This is a common question. For a full answer, see Will Applying for a Loan Impact My Credit?.