Frequently asked questions

You must be at least 18, a U.S. resident with a valid SSN, and have a verifiable source of income. Eligibility by state will be confirmed before launch.

From $1,000 to $50,000, with terms from 12 to 60 months (placeholder product limits).

Credit checks aren't integrated yet. When they are, we expect to use a soft inquiry for rate checks, which doesn't affect your score.

Most applications are reviewed within one business day.

From your dashboard, open your loan and choose “Make payment”. Payments in this preview use a test payment system — no real money moves.

Yes. There's no prepayment penalty.

Passwords are hashed, sessions use secure cookies, and sensitive data like your SSN is encrypted at rest. Only the last 4 digits are ever displayed.

Not yet. LoanEase is a placeholder brand for a product in development; no real loans are made on this site.