Although the time varies based on the creditworthiness of the individual, decisions on loans happen as quickly as minutes. In virtually all cases, decisions happen within just a few hours.

Using our documentation, the closing process is very efficient and usually takes no more than 30 minutes.

If anyone tells you that they can guarantee approval, you should check it out very closely. This is not a guarantee any reputable organization can give – and you won’t hear it from us. Loans are approved by the lending institutions based on credit scores and other factors that effect creditworthiness. However, the good news is that because of the number of lending sources that we have, we are often able to find a loan source even if you have a difficult credit background.

We are continually expanding our portfolio of lenders. We can present your application to as many as 20 sources. It never comes to that. We get approvals with the first three to five lenders.

We have heard this promise from time to time as well. Just as with guaranteeing approval, this claim should cause you to question the credibility of the source. Rates are set and offered by the lending institutions based strictly on the customer’s creditworthiness. By approaching our many lenders, we often receive several loan offers at different rates and they will all be competitive based on your credit circumstances and the lender’s requirements at that time. We can and will get the best rate that each particular customer is able to qualify for.

Through an analysis of the consumer credit report, we are able to offer suggestions in terms of closing or paying off accounts or making other credit adjustments which will result in rapid improvements in the customer credit score.