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Simple, step by step

How HFD Financing works

A clear path from application to payoff. Know what happens, what you need and what it costs at every stage, with no surprises.

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Mobile-friendlySee costs before you acceptDecline anytime before signing

Customer applying for an HFD Financing loan on a phone

State disclosuresLicensing and lender details shown with your offer

Encrypted applicationInformation is encrypted in transit

Costs shown upfrontAPR, fees and total repayment before you accept

For U.S. residentsAvailable in most U.S. states

The process

Six steps from application to funds

Each step is short, and you can stop at any point before you sign.

Step 1

Choose your amount and term

Pick an amount between $200 and $5,000 and a repayment term that suits your budget. Preview a payment first with the calculator if you like.

About a minuteNothing to upload yet

Step 2

Share a few details

Enter your name, contact details, address and income information. The application is built for mobile, so you can finish it from your phone.

A few minutesWorks on any phone

Step 3

Verify identity and bank account

Confirm who you are with a photo ID and securely link the checking account where you want to receive funds and make payments.

Photo IDChecking account

Step 4

Review your offer

If you are approved, you will see your exact APR, fees, payment dates and total repayment. Nothing is final until you accept.

APR and fees shownNo obligation

Step 5

Accept and sign electronically

Read the agreement, ask us anything, and sign on your device only if the terms work for you. You are always in control.

E-signatureTake your time

Step 6

Receive funds and repay

Funds are sent to your bank account after approval, often as soon as the next business day. Repay on schedule, with optional autopay.

Fixed paymentsTrack in your account

App screens showing the application flow

What to have ready

Gather these before you start

Having everything at hand helps you finish in one sitting.

Government-issued photo ID (driver’s license or state ID)
Your Social Security number or ITIN
Details of your income (pay stubs or bank statements)
Checking account and routing numbers, or online banking login to link
A mobile phone and an email address you can access

Start application

Your loan, start to finish

What the journey looks like

From the first tap to the final payment.

Timing shown here is general. Your funding time and payment dates are confirmed in your offer.

Safety first

How we help protect you

Identity checks

We verify identity to protect you and to help prevent fraud on your account.

Encrypted connection

Information you send is protected with encryption in transit.

Your choices

You can ask how your data is used and request changes where the law allows.

Common questions

Questions about the process

How much can I borrow?

You can apply for a personal loan between $200 and $5,000. The amount you are offered depends on your income, existing obligations, state of residence and other underwriting factors, so your offer may be lower than the amount you request.

How do I apply?

Choose an amount, enter basic personal and income details, verify your identity and bank account, then review your offer. You receive funds only after you review the full terms and choose to accept.

What do I need to apply?

Have a government-issued photo ID, details of your income, your checking account information, and a mobile number and email address you can access. You will also be asked for your Social Security number or ITIN to verify your identity.

How long does the application take?

Most people finish in a few minutes when their documents are ready. Your time may vary depending on how quickly you can verify your information.

See all questions →

Ready to see your options?

Check your offer in minutes. No obligation until you review and accept your terms.

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