Frequently Asked Questions

Eligibility requirements vary by loan type but generally include: minimum credit score of 620, steady income for at least 6 months, debt-to-income ratio below 43%, valid Social Security number, and US citizenship or permanent residency. Business loans also require 2+ years in business and minimum annual revenue of $100,000.

Our streamlined process enables same-day decisions for personal loans up to $50,000. Business loans typically take 2-3 business days, while mortgage approvals take 5-7 days. Complete applications with all required documentation receive the fastest processing times.

Required documents typically include: government-issued ID, proof of income (pay stubs or tax returns), bank statements, proof of residence, and Social Security number. Business loans require additional documents: business registration, financial statements, business plan, and revenue projections.

No! Saver Strategy never charges prepayment penalties. You can pay off your loan early without any additional fees. We believe in rewarding financial responsibility, not penalizing it. Early payments can actually help improve your credit score.

Our rates are competitive and vary based on loan type, credit score, loan amount, and term. Personal loans start at 5.99% APR, business loans from 6.49% APR, and mortgages from 3.99% APR. Your specific rate will be provided during the application process with no obligation.

Yes! We provide comprehensive financial planning services including retirement planning, investment strategies, education funding, insurance planning, and estate planning. Our certified financial planners create personalized strategies to help you achieve your financial goals.

We use bank-level 256-bit encryption to protect all data. Our systems are SOC 2 certified, and we comply with all federal and state privacy regulations. We never share your information with third parties without your explicit consent, and our servers are protected by advanced firewalls.

Absolutely! We offer refinancing options for most loan types. If interest rates have dropped or your credit has improved since you originally borrowed, refinancing could lower your monthly payments or reduce your total interest paid. Contact us for a free refinancing analysis.