We review your goals and timeline.

Book your 15–30 minute consult—there’s no hard inquiry to schedule. Have your city/state, estimated monthly income, and credit goals ready.

On the call, we’ll confirm a quick profile, share 1–2 custom installment options (amount, term, estimated payment), and explain how on-time payments are reported monthly (Metro 2). If it’s not a fit, we’ll say so—no pressure.

If you move forward, you’ll get same-day pre-approval, then complete ID verification and e-signature. You’ll pick your payment method/date, and we’ll begin furnishing on the next cycle. Most customers see updates within 30–60 days(bureau timing varies).

Notes: We are not a credit bureau; we furnish account info under the FCRA. “Instant pre-approval” is preliminary; final approval requires verification and underwriting. On-time payments may help your credit; late/missed paymentscan hurt it.