Will we need to pay any upfront charges with your personal funding services?
How many trade lines/credit accounts will I need to have reporting on my credit in order to qualify for funding?
There is no specific number. To get “MAX” funding, you will need at least 4 open and active Primary trade lines on your credit report. Trade lines should be at least 1 year old however 2 years are preferred.
Can a co-signer be used when applying for a personal loan?
What is the minimum credit score required to obtain a personal fundingloan?
Your credit score must be a minimum of 650. Please keep in mind more than scores matter. Clients who receive the most funding have credit reports that show they have borrowed money responsibly in the past.
Can I still qualify for a loan with a Bankruptcy on my credit report?
Yes, however, the bankruptcy must be at least 5 years old.
A prequalification evaluation will take approximately how long?
Prequalification’s or a “quote” typically take just a couple hours, not including weekends and holidays.
How long does it take to complete the personal funding process?
Depending on the amount of requested funds, it takes about 2-5 days for us to complete our submissions. It then takes approximately 2-7 business days for the funding to arrive after the date of approval.
Will Income documentation be needed for personal funding?
No, it is not needed but using it can be very beneficial and open up more loan options.
Is there an ALL cash funding option?
Yes. Installment loans go up to 100k each and lines of credit to 50k each. The average amount is lower.
When will I be required to pay the fees for you providing the personal funding services?
We will provide you with written instructions regarding payment of each funding account which will be due after you receive each funded account.
What forms of payment will you accept for payment?
We collect our backend fee via several methods of payment: PayPal, Credit Card Charge Authorization Form, Online Balance Transfer and Direct Wire. Instructions will be provided at the time of payment.
Can you do personal funding using only my Equifax credit file and not Experian or Transunion?
Yes, We can do personal funding using only Equifax credit or only Experian.
What is the max amount of funding I can obtain?
Technically there is no limit but based on the strength of the personal credit file we can, and have, funded over $400,000 in unsecured funding. Normal amounts range from 75-200k.
Will you be removing credit inquiries from my report following funding?
No, we do not provide removal of credit inquiries and would advise not too. Removing an inquiry from a line you were approved for is a mistake.
What is the minimum amount of funding available through your personal funding services?
The minimum amount of funding we will submit for is $10,000.
Do you provide credit repair services?
Which of the 50 states do you offer personal funding services?
Our services are available in ALL 50 states.
Do you offer an affiliate program?
Yes, click on “partners” tab at the top of this page.