Flexible Loans for Life's Big Moments

No, checking your rate with Fast Credit uses a soft credit inquiry, which does not affect your credit score. You can get pre-qualified and see your personalized rates without any impact. Only when you decide to proceed with the loan do we perform a hard credit inquiry, which may cause a small, temporary dip in your score.

Once your loan is approved and you've signed your documents, funds are typically deposited into your bank account within 1 business day. For some applicants, we can even offer same-day funding. The exact timing will be communicated during the application process. Business days are Monday through Friday, excluding federal holidays.

To qualify for a personal loan with Fast Credit, you must be at least 18 years old, a U.S. citizen or permanent resident, have a valid bank account, and meet our minimum credit requirements. We look at multiple factors beyond just your credit score, including income, employment history, and debt-to-income ratio. Our Credit Builder Loan has no credit history requirement.

Absolutely! We never charge prepayment penalties. You can pay off your loan early, make extra payments, or pay more than your minimum monthly payment at any time — and you'll save on interest. There's no fee to pay early, and any extra payments go directly toward your principal balance. Simply log in to your account to make additional payments.

To apply for a personal loan, you'll need a government-issued photo ID (driver's license, passport, or state ID), proof of income (recent pay stubs, tax returns, or bank statements), and your Social Security Number. For secured loans like auto or home loans, you'll also need information about the collateral. The entire application can be completed online, and we use secure document uploads.

If you miss a payment, a late fee may apply, and it will be reported to the credit bureaus after 30 days past due. We understand that life happens, so if you're having trouble making a payment, contact us immediately. We offer flexible payment dates and hardship programs to help you get back on track. Our goal is to work with you, not against you.