Straight answers, no footnotes.

No. When you check your rate or pre-qualify, we perform a soft credit inquiry, which is not visible to other lenders and does not affect your credit score. A hard inquiry is only performed after you accept a specific loan offer.

About two minutes for pre-qualification, and another five to ten minutes to e-sign your agreement and link your bank if you decide to proceed. Everything happens online.

Your name, date of birth, address, Social Security number, source of income, and a U.S. personal checking account in your name. You will not need to fax anything, visit a branch, or mail documents.

Money Loan Capital is not available in every U.S. state. Our Licenses & Disclosures page lists current state availability. We update it as we enter new markets.

At this time all Money Loan Capital loans are individual. We do not accept co-signers or joint applicants.

Our maximum all-inclusive Annual Percentage Rate is 35.99%. That is below the 36% ceiling required by Apple App Store Review Guideline 5.2.5 and the federal Military Lending Act. It is also the only APR you will see on our disclosures — there are no additional fees outside the APR.

No hidden fees. We never charge an application fee, origination fee, or prepayment penalty. The only fees that can apply are a modest late-payment fee (capped at $15 or 5% of the payment, whichever is less, and only after a 10-day grace period) and a returned-payment fee (capped at $15), both disclosed in your agreement and waived in states where prohibited.

Loans range from $250 to $5,000 with repayment terms between 61 and 365 days. Every loan is a fixed-payment installment loan — no balloon payments, no variable rates.

Never. You can pay off your loan in full or in part at any time with no penalty and no fee. If you prepay, you only pay interest for the days you actually held the funds.

Because Apple App Store Review Guideline 5.2.5 requires personal-loan apps to offer repayment terms longer than 60 days, and we comply. This also eliminates the "payday loan" pattern of requiring full repayment on your next pay date, which research has consistently shown traps borrowers in debt.

If you sign your agreement before 4:00 PM ET on a business day, your funds are typically available the next business day. ACH timing depends on your bank.

Payments are automatically debited from your linked checking account on the scheduled due dates. You can also pay online, by phone, or by mailing a paper check — all at no extra charge.

Call or email us before the payment is due. We offer one-time due-date changes and hardship plans, and we always try to work with borrowers who are having a tough month. We do not report delinquencies until legally required to do so.

Yes. We report on-time and late payments to one or more nationwide consumer reporting agencies so that responsible borrowers can build credit.

All data is transmitted over TLS and stored encrypted. We maintain administrative, technical, and physical safeguards consistent with the Gramm-Leach-Bliley Act. See our Privacy Policy for details.

No. We do not sell your personal information. We only share it with service providers (credit bureaus, identity verification, bank-linking services, and payment processors) as needed to service your loan.

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