Get Funded in 3 Simple Steps

Apply online in minutes, complete your underwriting with one quick phone call, and receive your funds in as little as 24 hours.

1About 5 Minutes

Apply Online

Complete our secure online application to tell us about yourself, your income, and how much you'd like to borrow. It only takes a few minutes to get started.

  • Complete our secure online application in just a few minutes to tell us about yourself and the amount you'd like to borrow.
  • 100% Online — no paperwork, faxing, or printing required.
  • $0 Upfront Fees — there are never application or processing charges.
  • Available Nationwide — borrowers from all 50 U.S. states are welcome to apply.
Customer completing an online personal loan application on a laptop
2Immediate

Complete Live Underwriting

Call us at (747) 200-5932 to complete your underwriting with a live specialist. We'll review your loan terms, answer any questions, and help you electronically sign your agreement during the same call.

  • Human-First Underwriting — speak directly with one of our underwriting specialists.
  • Fixed 10% APR — every approved borrower receives the same transparent fixed interest rate.
  • Review & E-Sign your loan agreement during your call.
  • No Prepayment Penalty — pay your loan off early at any time without additional fees.
Friendly Fiona Loans underwriting specialist assisting a customer over the phone
3Within 24 Hours

Receive Your Funds

Once your agreement has been completed, we begin final processing and work to deposit your approved loan directly into your bank account within 24 hours.

  • Direct Deposit into your eligible U.S. checking account.
  • Funding Goal: 24 Hours after completing your loan agreement.
  • $0 Origination Fees — receive your full approved loan amount.
  • Ongoing Customer Support whenever you need assistance.
Customer checking their bank account after receiving loan funds

Funding Goal Within 24 Hours

After completing your loan agreement, we work to fund approved loans as quickly as possible.

Fixed 10% APR

Every approved borrower receives the same transparent fixed interest rate with no hidden surprises.

Available Nationwide

Serving qualified borrowers throughout all 50 U.S. states.

Ready to Get Started?

Complete your online application today. When you're ready for Step 2, simply call our underwriting team and we'll guide you through the remainder of the process.