Frequently Asked Questions

Applying for a loan with WithU is simple and takes just a few minutes:

• Visit our website and click "Apply Now"
• Fill out the online application form with your personal and financial information
• Submit your application and receive an instant decision
• Review and accept your loan offer if approved
• Sign your loan agreement electronically
• Receive funds in your bank account within 1 business day

The entire process is 100% online and can be completed from your computer or mobile device.

Most customers complete our application in 5-10 minutes. The application is straightforward and only asks for essential information.

To speed up the process, have the following ready:

• Valid government-issued ID
• Bank account and routing numbers
• Social Security Number
• Employment information

You'll receive an instant preliminary decision as soon as you submit your application. Our automated system reviews your information in real-time.

In some cases, we may need additional verification, which could take a few hours. We'll notify you immediately if any additional information is required.

Most applications are approved without additional documentation. However, we may occasionally request:

• Proof of Income: Recent pay stubs, bank statements, or benefit statements
• Identification: Driver's license, state ID, or passport
• Bank Statements: Last 2-3 months to verify account activity

If additional documents are needed, we'll contact you promptly with specific instructions on how to submit them securely.

You must have fully repaid any previous WithU loan before applying for a new one. We cannot approve multiple active loans to the same borrower.

However, once you've successfully repaid your first loan, you may be eligible for:

• Higher loan amounts
• Better interest rates
• Faster approval process

To qualify for a WithU Loan, you must:

• Be at least 18 years old
• Be a U.S. citizen or permanent resident
• Have a valid Social Security Number
• Have an active checking or savings account
• Have regular income (employment or benefits)
• Provide a valid email address and phone number
• Reside in a state where we're licensed to operate

Yes! We consider applications from people with various credit profiles, including those with less-than-perfect credit.

While we do review credit history, we also look at:

• Your current income and employment stability
• Your ability to repay the loan
• Your banking history
• Other factors beyond just your credit score

Many customers with lower credit scores have been successfully approved for loans with us.

You need to have regular, verifiable income, but this doesn't necessarily mean traditional employment. We accept:

• Full-time or part-time employment
• Self-employment income
• Social Security benefits
• Disability payments
• Pension or retirement income
• Regular alimony or child support

The key is demonstrating that you have consistent income to repay the loan.

We are licensed to operate in multiple states across the United States. However, lending regulations vary by state, and we cannot offer loans in all 50 states.

When you apply, our system will automatically verify whether we can offer loans in your state of residence. If we're unable to serve your state, you'll be notified immediately during the application process.

Our APR (Annual Percentage Rate) ranges from 5.99% to 400% depending on several factors:

• Your credit history and score
• Loan amount requested
• Repayment term selected
• Your state of residence
• Income and employment stability

Our representative APR is 18.23% for qualified borrowers. Your exact rate will be disclosed before you accept any loan offer.

No hidden fees, ever. We believe in complete transparency. Here's our complete fee structure:

• Application Fee: $0
• Origination Fee: $0
• Prepayment Penalty: $0
• Late Payment Fee: $15 or 5% (whichever is greater)
• Returned Payment Fee: $30

All costs are clearly disclosed in your loan agreement before you sign.

Yes, absolutely! There are no prepayment penalties with WithU Loans. In fact, we encourage early payoff because it saves you money on interest.

Benefits of paying off early:

• Reduce total interest paid
• Improve your credit faster
• Become eligible for future loans sooner
• Reduce financial stress

You can make additional payments at any time through your online account.

We understand that unexpected situations arise. Here's what happens:

Grace Period (Days 1-10):

• No late fee during the first 10 days
• We'll send reminder notifications
• Contact us if you need help

After 10 Days:

• Late fee of $15 or 5% (whichever is greater) is assessed
• May impact your credit score
• Could affect future loan eligibility

Important: If you anticipate difficulty making a payment, contact us immediately. We may be able to work out a payment arrangement.

Most approved loans are funded within 1 business day:

• Approved before 2 PM ET (business days): Next business day funding
• Approved after 2 PM ET: Funding within 1-2 business days
• Weekend/Holiday approvals: First business day processing

Funds are deposited directly into your verified bank account via ACH transfer.

We make repayment simple and convenient:

Automatic Payments (Recommended):

• Set up automatic ACH withdrawals from your bank account
• Payments are made on your scheduled due dates
• Never worry about missing a payment

Manual Payments:

• Log into your online account
• Schedule one-time payments
• Make additional payments anytime

Yes, payment date changes may be possible. Contact our customer service team at least 5 business days before your next payment to request a change.

We'll review your request and work with you to find a payment schedule that aligns better with your income.

Contact us immediately if you're having difficulty. The sooner you reach out, the more options we have to help.

Possible solutions include:

• Adjusting your payment schedule
• Temporary payment arrangements
• Payment plan modifications

We're committed to working with you to find a solution. Ignoring the problem will only make it worse.

Yes, your security is our top priority. We use industry-leading security measures:

• 256-bit SSL encryption for all data transmission
• Secure data storage with multiple layers of protection
• Regular security audits and updates
• No data selling - we never sell your information to third parties
• Compliance with all federal privacy regulations

No, checking your rate results in a soft credit inquiry, which does not impact your credit score.

Only when you accept a loan offer and proceed with the final application will we perform a hard credit inquiry, which may have a small, temporary impact on your score.

You can access your account 24/7 through:

• Website: Log in at withuloansapply.com
• Mobile App: Download the WithU Loans app from App Store or Google Play

In your account, you can:

• View your balance and payment schedule
• Make payments
• Update your information
• Contact customer support
• View loan documents

You can use your loan for any legal purpose, including:

• Emergency medical expenses
• Car repairs or maintenance
• Home repairs
• Unexpected bills
• Debt consolidation
• Moving expenses
• Other personal expenses

We recommend using loans for genuine needs rather than wants, and only borrowing what you can afford to repay.

Our customer support team is available to help:

• Phone: 1-800-XXX-XXXX (Mon-Fri, 8 AM - 8 PM ET)
• Email: support@withuloans.com
• Online Chat: Available on our website
• Mail: Check your loan documents for address

We strive to respond to all inquiries within 24 hours.

Yes, we report loan activity to major credit bureaus. This means:

Positive Impact:

• On-time payments can help build your credit
• Successful loan repayment improves credit history
• Demonstrates responsible borrowing

Negative Impact:

• Late or missed payments will be reported
• Defaulted loans negatively affect credit

This is an opportunity to build positive credit history when you repay responsibly.