How It Works

Getting a loan with WithU is simple, fast, and transparent. Follow our 4-step process to get the funds you need.

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Your Path to Fast Funding

From application to approved funds in as little as 24 hours

1

Complete Online Application

Start your loan journey with our simple online application. No need to visit a physical location or deal with mountains of paperwork. Our streamlined form takes just 5-10 minutes to complete from the comfort of your home.

What You'll Need:

  • Valid government-issued ID (driver's license, state ID, or passport)
  • Active checking or savings account information
  • Proof of regular income (employment or benefits)
  • Current contact information (phone and email)
  • Social Security Number

💡 Pro Tip:

Have your bank account and routing numbers ready to speed up the process. You can find these on a check or through your online banking app.

⏱️ Time Required: 5-10 minutes
2

Receive Instant Decision

Once you submit your application, our advanced system immediately reviews your information. Unlike traditional banks that can take days or weeks, you'll receive a preliminary decision within minutes.

What We Review:

  • Identity verification and age requirements
  • Income stability and payment ability
  • Active bank account status
  • Credit history (soft inquiry for pre-qualification)
  • State-specific eligibility requirements

🔍 Understanding Credit Checks:

We perform a soft credit inquiry during the initial review, which doesn't affect your credit score. Only if you accept the loan offer and proceed will we conduct a hard inquiry.

⏱️ Time Required: Instant to 5 minutes
3

Review Your Loan Offer

If approved, you'll receive a personalized loan offer with complete transparency. We believe in full disclosure, so you'll see every detail before making a decision. Take your time to review all terms carefully.

Your Loan Agreement Includes:

  • Approved loan amount
  • Annual Percentage Rate (APR)
  • Total finance charges
  • Repayment schedule (dates and amounts)
  • Total amount to be repaid
  • Early payment terms (no penalties!)
  • Late payment policies

📋 Read Before You Sign:

Never feel rushed into accepting a loan. Take the time you need to read and understand all terms. If you have questions, our customer service team is available to help explain any aspect of your agreement.

⏱️ Time Required: Take as long as you need
4

Get Funded Fast

Once you electronically sign your loan agreement, we process your funding immediately. Most customers receive their funds via direct deposit within one business day, often as quickly as the next morning.

Funding Timeline:

  • Applications approved before 2 PM ET on business days: Next business day funding
  • Applications approved after 2 PM ET: Funding within 1-2 business days
  • Weekend/holiday applications: First business day processing
  • Funds deposited directly into your verified bank account
  • Email and SMS notifications keep you informed

💰 Using Your Funds:

Once deposited, your loan funds are immediately available for use. Pay bills, cover emergencies, make repairs—use the money for whatever you need. Remember to keep track of your first payment date!

⏱️ Time Required: 1-24 hours after approval

Typical Timeline

Here's what you can expect from start to finish

📝

Application Submitted

You complete and submit the online application with all required information.

Day 1 - Minute 0
⚡

Instant Review

Our system instantly verifies your information and determines eligibility.

Day 1 - Minutes 0-5
✅

Approval Decision

You receive notification of approval with personalized loan terms.

Day 1 - Minute 5
📄

Review & Sign

You review all terms and electronically sign the loan agreement.

Day 1 - Your timeline
💵

Funds Deposited

Money is directly deposited into your bank account.

Day 1 or 2 - Within 24 hours

Eligibility Requirements

To qualify for a WithU Loan, you'll need to meet these basic criteria

👤

Age & Residency

You must be at least 18 years old and a legal resident of the United States in a state where we're licensed to operate.

  • Valid U.S. state ID
  • Current residential address
  • Social Security Number
💼

Income Requirements

We need to verify that you have regular, stable income to ensure you can comfortably repay the loan.

  • Employed or receiving regular benefits
  • Minimum income varies by loan amount
  • Income verification may be required
🏦

Active Bank Account

You'll need an active checking or savings account for both receiving funds and making payments.

  • Account open for at least 90 days
  • Regular deposits and activity
  • Not currently overdrawn
📱

Contact Information

We need reliable ways to reach you about your application and loan status.

  • Valid email address
  • Working phone number
  • Current mailing address
📊

Credit Considerations

While we consider various credit profiles, we do review credit history as part of our approval process.

  • No active bankruptcy
  • No outstanding WithU loans in default
  • Various credit levels considered
✓

Additional Criteria

A few more requirements to ensure we can provide you with the best service.

  • Able to receive electronic communications
  • Willing to accept electronic loan documents
  • Meet state-specific requirements

Frequently Asked Questions

Get quick answers about the application process

How long does the application take? +
Most customers complete our online application in 5-10 minutes. The form is designed to be straightforward and only asks for essential information. Make sure you have your ID, bank account details, and employment information ready to speed up the process.
What if I'm denied? Can I reapply? +
If your application is denied, we'll provide specific reasons why. You can reapply after 30 days, and we encourage you to address the issues that led to the denial. For example, if it was due to insufficient income, you might reapply after a raise or with additional income sources documented.
Will checking my rate affect my credit score? +
During the initial application review, we perform a soft credit inquiry which does not impact your credit score. Only when you accept the loan offer and proceed with the final application will we conduct a hard credit inquiry, which may have a small, temporary impact on your score.
Can I get a loan if I have bad credit? +
We consider applications from people with various credit profiles, including those with less-than-perfect credit. While credit history is a factor, we also look at your current income, employment stability, and ability to repay. Many customers with lower credit scores have been approved for loans with us.
How quickly will I receive my money? +
Most approved loans are funded within 1 business day. If you're approved and sign your agreement before 2 PM ET on a business day, you can typically expect funds in your account the next business day. Applications approved after hours, on weekends, or holidays will be funded on the next business day.
What documents do I need to provide? +
Most applications are approved without additional documentation. However, we may occasionally request proof of income (such as recent pay stubs), bank statements, or additional identification. If additional documents are needed, we'll contact you promptly with specific instructions.

Ready to Get Started?

Apply online now and get an instant decision. The process is quick, easy, and secure.

Start Your Application