Simple, honest, and fast — here's exactly what happens.

From choosing an amount to funds landing in your account — here's every step, with nothing hidden along the way.

1. 1

   Tell us what you need

   Start online. We'll ask for the basics — who you are, what you need, and a bit about your income so we can match you sensibly. Takes a few minutes.

2. 2

   We go to work for you

   We verify your ID and bank activity, then take your application to our lender panel — the people who can actually fund your loan. Most decisions come back within minutes; anything unusual is referred to a staff member instead of auto-declined.

3. 3

   You get a clear answer

   Good news? We'll walk you through two things in plain language: your CAB Service Agreement (our fee for arranging and managing everything) and your Lender's Credit Contract (the actual loan terms). Two separate, clearly itemized documents — no surprise fees, no fine print you need a lawyer to read.

4. 4

   Sign & get funded

   Sign online. Same-day deposit is available for a $14 fee if you sign before 5:00 PM Central on a business day; otherwise funds typically arrive by the next business day at 9:00 AM Central, at no extra cost.

5. 5

   One simple repayment

   Instead of juggling a lender and a service fee separately, you make one payment on one combined schedule. We handle passing each party their share.

6. 6

   We're still here

   Something change? Need to talk through your payment date? Message us or request a callback right from your member portal — a real person will help, no phone tree runaround.