Step 1 — Tell Us What You Need (≈5 minutes)
Choose an amount from $500 to $5,000 and complete the secure form: identity and address, income source and amount, and the checking account where funds would land. The form applies your state's lending rules automatically and authorizes a soft credit pull — invisible to other lenders and harmless to your score. Nothing at this step is binding, and nothing costs anything. Gathering a pay stub and a bank statement beforehand turns the whole step into a five-minute task; the eligibility guide lists the complete document set.
Step 2 — Lenders Review and Respond (minutes)
Your request circulates through the network of independent, state-licensed lenders. Automated reviews respond in real time, and interested lenders present preliminary terms — amount, APR, term, estimated payment. A lender may ask you to verify income or identity on its own secure portal; answering those requests the same hour is the single biggest thing you control about speed, as the funding-speed guide details.
Step 3 — Compare and E-Sign (your pace)
Every offer states its terms in a standardized Truth in Lending box: APR, finance charge, payment amount and count, total of payments, and fees. Compare on the APR line first — it folds mandatory fees into one honest number — then confirm two sentences: no prepayment penalty, and a due date that works with your pay schedule. The e-signature on one lender's agreement is the only moment in the entire process that creates an obligation. Until then, offers are invitations you may freely decline or let expire.
Step 4 — Get Funded (typically next business day)
After e-signing, the lender sends funds by ACH transfer, which posts to your checking account the next business day in typical cases; weekends and federal holidays pause bank rails. Some lenders offer same-day debit disbursement for a small fee when hours genuinely matter. The deposit arrives under the lender's name. Set autopay at signing — several lenders discount the rate for it — and save a copy of your agreement.
What Never Happens
- No fee is ever charged to you — at any step, by Fidelity Funding or by any legitimate lender before funding.
- No hard credit inquiry occurs until you proceed with one specific lender's final application.
- No obligation attaches to requesting, comparing, or declining offers.
- No information is sold to unrelated marketing lists — see the privacy policy.
After Funding: Repayment in Brief
Your loan repays in fixed monthly installments on the schedule your agreement states, with most lenders reporting each payment to the credit bureaus — on-time history that strengthens your file for everything after. Extra payments go to principal at most lenders with no penalty. Questions about a specific loan go to the lender holding it; questions about anything else start at our FAQ or the contact page.