Speed in lending is usually quoted as a headline and rarely explained. Here is how ours actually works, including the part that depends on you.
Where the time goes
An application moves through submission, document verification, affordability assessment and decision. Most complete applications finish that in one to three business days.
The word doing the work is complete. The overwhelming majority of delays are a missing or unreadable document, not our review queue. An application with verified identity and clear proof of income moves through markedly faster than one we have to chase.
You can see where you are
Rather than leaving you to guess, every application shows its current stage under My Loans, with what happens next written in plain language. When the status changes you get an email and a notification in your dashboard.
How to make yours faster
Complete identity verification before you apply, upload clear full-page photographs or PDFs rather than cropped screenshots, and respond to any document request promptly — your application pauses until it arrives.
Common questions
What slows an application down?
Almost always a missing or unreadable document. Blurred or cropped images are the most common cause of a second request.
Will I be told if something is needed?
Yes, by email and in your dashboard, with instructions for uploading it.
