As part of the loan application process, you need to connect to your bank account through a third-party service called Plaid Inc (Plaid), which is owned by Visa. At this time, you will agree to a Pre-Authorized Debit (PAD) Agreement approving us to deposit the loan if you’re approved. Our system will be able to view your financial records for the previous 24 months, and will use that information to determine your eligibility for a loan. We will never change or sell your information – see our Legal page for more information.

If you change your mind, you have a 48 hour “cooling off” period. Email [email protected] if you’ve applied then realized you don’t want the loan. We’ll cancel your application, or withdraw the money if we’ve deposited it, and won’t charge you anything.