How can we help?

Log in to your account and go to Payments → Autopay Settings. You can move your payment date up to 14 days later than your current date. Changes take effect immediately if made at least 3 business days before your next payment.

Don't panic. First: we don't charge late fees. Second: contact us within a few days so we can retry the payment or work out a plan. If you're facing a longer difficulty, ask about our hardship program, it can pause or restructure your loan without hurting your credit.

Available anytime in your account under Loan Details → Payoff. The amount shown is good for 10 days. You can pay it off in one lump sum via bank transfer or debit card, the loan closes as soon as we receive payment.

Any time, any amount, no penalty. Go to Payments → Make a Payment. Extra payments go straight to principal, reducing your total interest and shortening your loan term. Your account shows exactly how much interest you save.

By law we must tell you the specific reason(s), you'll receive a written notice by email within 30 days. The letter includes what factors weighed most heavily and what you can do differently. In many cases, you can reapply in 60 days after making changes.

Pay off any outstanding balance, then go to Account → Close Account. We'll confirm by email within 24 hours. If you'd like your data fully deleted, request that at the same time, we'll delete everything we're not legally required to retain (federal law requires 7 years for tax records).

Small loans typically don't generate tax documents. However, if any part of your loan was forgiven through our hardship program, we'll send you a 1099-C by January 31 for the previous tax year. Your account also has downloadable payment history you can share with your tax preparer.

Email [email protected] or write to us at our Dover, DE address. We respond in writing within 3 business days and resolve most complaints in under two weeks. If you're not satisfied with our response, you can escalate to the CFPB or your state's financial regulator, we'll point you to the right one.