Simple Process
Get approved and funded in 3 easy steps. Most customers receive funds within 24 hours.
Fill out our secure online application form. We'll need basic information like your name, address, employment details, and bank account information. The entire process takes less than 5 minutes.
Once you submit your application, our system reviews your information and provides an instant decision. You'll know within minutes whether you're approved and for how much.
After approval, your funds are typically deposited directly into your bank account the same day or next business day. Use the money for tires, repairs, or any auto service needs.
To complete your CFNA application, you'll need:
The entire process from application to funding typically takes:
Apply during business hours (Monday-Friday, 9 AM - 5 PM EST) for the fastest processing. Applications submitted on weekends or after hours will be processed the next business day.
Understanding what happens behind the scenes can help you feel more confident about the process. Here's how our technology evaluates your application:
When you hit "Submit," your information is instantly encrypted using 256-bit SSL technology—the same security used by major banks. This ensures your data is protected from the moment you enter it.
Our proprietary decision engine evaluates multiple factors simultaneously:
Based on this comprehensive review, our system makes an instant decision. If approved, you'll see your loan amount and terms immediately. If declined, you'll receive an explanation and suggestions for improving your chances in the future.
Once approved, you'll review your loan agreement—which clearly outlines your APR, payment schedule, and total loan cost. You can sign electronically using our secure e-signature platform. No printing, scanning, or mailing required.
After you sign, we immediately initiate the ACH transfer to your bank account. Depending on your bank's processing times, you'll typically see the funds within hours (same-day) or by the next business day.
Unlike traditional lenders who focus primarily on credit scores, we take a holistic approach. Here's what matters most:
We need to see that you have regular income—whether from employment, self-employment, benefits, or other verifiable sources. The amount matters less than the consistency.
A checking or savings account in good standing shows financial stability and provides a secure way to disburse and collect funds.
Accurate contact details, employment information, and identity verification help us prevent fraud and ensure we're lending to real people with real needs.
We want to ensure the loan amount is appropriate for your situation. We'll never approve more than you can reasonably afford to repay.
We offer multiple funding options to get you the money you need as quickly as possible:
While we process applications 24/7, bank transfers only occur during business hours. Applications approved on weekends or holidays will be funded the next business day. For fastest service, apply Monday-Friday before 2 PM EST.
We believe repayment should be as easy as getting the loan. Here's how it works:
Set it and forget it. We'll automatically deduct your payment from your bank account on the scheduled date each month. Benefits include:
Prefer to control each payment? You can pay manually through:
💰 Pay Early, Save More: There are no prepayment penalties. Pay off your loan early and save on interest charges!
Once you receive your funds, you can use them at: