Explore an amount and term
Choose an illustrative loan amount from $1,000–$35,000 and a 24–60 month term. The payment shown uses a representative 15.9% APR and is not a credit offer.
How it works
From a first estimate to a fully reviewed loan offer.
Move through each stage online, with a clear checkpoint before you share more information or agree to any terms. KredSolutions is a loan-comparison service and is not a lender.
Four clear stages
What happens at every checkpoint
Timing varies by applicant, verification needs, lending partner, bank, and state. Nothing shown before a final agreement is a guaranteed offer.
Share the required details
Provide basic identity, contact, income, employment, housing, and banking information through the secured online process. Additional verification may be requested.
Read the complete terms
If a lending partner presents an option, review the APR, payment schedule, fees, total repayment, and any state-specific terms before deciding whether to sign.
Complete verification
After signing and final verification, an approved lender may send funds to your verified bank account. Funding time depends on the lender, your bank, and submission timing.
Prepare ahead
Information you may need
Having accurate details available can reduce follow-up questions. A lending partner may request more or different documentation after reviewing your application.
Personal information
Your legal name, date of birth, Social Security number, residential address, phone number, email, and a valid government-issued photo ID.
Employment and earnings
Your employer or income source, gross income, pay frequency, and recent pay stubs, bank statements, tax records, or benefit documentation if requested.
Verified account details
An active bank account in your name, routing and account information, plus housing costs and other details a lender uses during underwriting.
Timing and next steps
A clear handoff at every stage
Many inquiries can be completed in minutes. Decisions, document review, and funding can take longer when verification or bank processing is required.
Before a hard credit inquiry
If a lending partner requires a hard inquiry for a final offer, that step should be disclosed before it occurs.
After you sign
Keep your agreement, confirm the first due date and payment method, and contact the lender shown in your documents with servicing or payoff questions.
During repayment
Follow the lender’s payment schedule. If your circumstances change, contact the lender promptly; KredSolutions does not service or collect loan payments.
Ready to explore your options?
Products are not available in every state. Approval, amount, APR, term, and funding are subject to lender underwriting and state requirements.