* To obtain credit, you must apply online and have a valid checking account, email address, and mobile phone that can receive SMS texts. Offer subject to affordability assessment and verifications and is not available in all states. We use automated access to your bank data to determine how much you can afford to borrow. You will need to link your bank account for final credit approval. For most banks, we offer “instant funding,” which makes your funds available to you in minutes. For banks that do not support instant funding, your funds will be available as soon as the next banking day. Refer to How It Works for additional details.