Frequently Asked Questions

A personal loan is borrowed money that is repaid according to a lender’s agreement, usually through scheduled payments. Rates, fees, payment amounts, and repayment periods vary by lender and applicant. EzApply is not a lender and does not make credit decisions.

Permitted uses depend on the lender and the loan agreement. Review the lender’s terms before accepting an offer to confirm that your intended use is allowed.

Each lender sets its own requirements. Common requirements may include:

• Being at least 18 years old.
• Living in an eligible U.S. state.
• Having a regular, verifiable source of income.
• Providing valid identity and contact information.
• Having an eligible bank account when required by the lender.

The request amounts available through EzApply are shown during the online process. The amount a lender may offer depends on its underwriting criteria, applicable state requirements, and the information in your request.

Provide complete, accurate, and current information, and respond promptly if a lender requests additional documents. These steps may help a lender evaluate your request, but they do not guarantee approval.

Many participating lenders require an eligible checking or savings account to deliver funds and process payments. Account requirements vary, so confirm them with the lender.

Not necessarily. Some lenders may not accept prepaid cards, certain mobile accounts, or accounts that cannot support electronic deposits and withdrawals. The lender will determine whether an account is eligible.

Some lenders may consider recurring income such as retirement, pension, disability, or Social Security benefits. Accepted income types and minimum-income requirements vary by lender.

A lender may require a valid government-issued photo ID to verify your identity. Accepted documents vary and may include a driver’s license, state identification card, or another approved form of identification.

EzApply is intended for eligible U.S. residents. Participating lenders may also limit availability by state.

EzApply is not a lender. We provide an online service that may connect your request with participating lenders or providers.

• Complete and submit the secure online request form.
• Participating providers review your information to determine whether an offer may be available.
• If you receive an offer, review all rates, fees, repayment terms, and disclosures carefully.
• If you accept and sign a lender’s agreement, the lender will provide the funding details and repayment schedule.

The online request can usually be completed in a few minutes. Decision and funding times vary by lender. Some approved loans may be funded as soon as the next business day, but timing is not guaranteed and may be affected by verification or bank processing.

You can usually find these numbers in your online banking account, on a bank statement, or along the bottom of a paper check. Do not use the number printed on a debit card. Contact your bank if you are unsure which numbers to provide.

Confirm that you have a stable internet connection and are using a current browser. Refresh the page or try another supported browser or device. If the problem continues, use EzApply’s published support channel and do not send sensitive financial information by ordinary email.

Providers may use identity, income, credit-related, and banking information to verify your identity, evaluate a request, prevent fraud, deliver funds, or arrange payments. Review the Privacy Policy and authorization disclosures before submitting.

Funding occurs only after a lender approves your request and you accept its agreement. The lender and your financial institution determine the delivery time. Ask the lender directly if you need a specific funding estimate.

Rates and fees may depend on the lender, loan amount, repayment period, state of residence, income, credit profile, and other underwriting factors. The lender’s written disclosures—not an example or estimate—control the terms of an offer.

Review the APR, finance charge, origination fee, payment schedule, total repayment amount, and any late-payment or returned-payment fees. Costs vary by offer, so compare the full terms before accepting.

APR means annual percentage rate. It expresses the yearly cost of credit as a percentage and may include interest and certain fees. APR can help you compare offers with different rates or fee structures.

Yes. Carefully review the lender’s agreement and disclosures before electronically signing. Save a copy for your records and contact the lender about anything you do not understand before accepting.

The lender’s agreement will state the payment amount, due dates, payment frequency, and available payment methods. Contact the lender directly with questions about your repayment schedule.

Renewal and extension options vary by lender and may be restricted by state law. An extension may add interest or fees, so review the cost and updated payment schedule before agreeing to one.

Contact the lender as soon as possible. A late or missed payment may result in fees, collection activity, or negative credit reporting, depending on the agreement and applicable law.

The lender or an authorized account servicer may pursue remedies permitted by the agreement and applicable law. These may include fees, collection activity, or credit reporting. Review your agreement and contact the lender promptly if you are having difficulty paying.

A lender may obtain a consumer report when evaluating your request, and the inquiry may affect your credit. Payment activity may also be reported. Credit-check and reporting practices vary, so review the authorization and ask the lender for details.

A lender or authorized account servicer may contact you using methods permitted by your agreement and applicable law. If you question a collection contact, verify it using the lender information in your signed documents before providing information or making a payment.

Download or save the electronic documents to a secure device. You may also ask the lender whether it can provide copies by email, mail, or another accessible delivery method.

Use the phone number or website listed in your signed agreement or on the lender’s official website. Be cautious if someone demands payment by gift card, prepaid card, wire transfer, or cryptocurrency, or asks for passwords or verification codes.

Contact the lender or account servicer listed in your agreement, lender correspondence, or bank statement. EzApply does not service loans or have access to a lender’s payment records.

Contact the lender for questions about an offer, agreement, payment, or existing loan. Use EzApply’s published support channel for general questions about the website or request process.