At this time loans are available only to residents in California and Texas.

Our underwriting criteria and the verification of your information determines whether or not you will qualify for a personal loan.

Here’s the list you need to provide to  qualify:

• Copy of California Driver’s License or ID card 
• Copy Last 3 pay stubs
• An active checking account that allows direct deposit.
• Last 3 most recent bank statements
• Copy of a voided check  

1. Complete and submit your online application.
2. Use the Upload Docs feature during your loan application process, or fax (714) 790-4078 your supporting documents requested on the application (usually your most recent pay stub that’s less than 30 days old).
3. Review your loan documents, loan status, amount of loan offer, total payback amount, and payment due dates.
4. Sign your loan agreement and return back.
5. You will receive an e-mail once all documents have been received and processed. Typically, we’ll electronically deposit the loan amount directly into your checking account on the next banking business day. 
6. Payments are due on your pay date and will be directly withdrawn from your account.

Typically our loans range from $500 to $5,000.  

When it comes to our loans, the amount you can qualify to receive depends on a number of different factors, including income level and other underwriting criteria.

Income Level
Personal loans are income-based loans, which is why lenders will request proof of steady employment. How much you earn will determine the initial amount you are able to receive. This keeps your loan from exceeding the amount you can afford to repay.

Yes. We obtain credit information from Experian. One Capital Financial uses the information to determine credit worthiness. 

With One Capital Financial, you may be able to qualify for a loan with bad credit, or even no credit at all.

To see if you qualify, simply fill out our online application form. Once we verify your personal information and you meet our underwriting requirements, you may be approved for an installment loan in a matter of minutes! There’s no risk to you! APPLY NOW to see if you qualify.

Once you’ve submitted your application, submitted your document, and  accepted your loan agreement, you’ll receive a decision regarding your loan. The documents you send will help determine the completion and funding of your loan. The amount of time it takes to process your loan depends on how quickly you send in your documents. The sooner you send in your documents, the sooner One Capital Financial can verify the information you provided.

The online application process takes 5 minutes to complete. Receiving your loan funds is as quick as the time it takes your application to be approved. The sooner all your loan documents are in order, the sooner your application will be approved. Once the approval goes through, your loan will be originated, and funds will be electronically deposited directly into your bank account the following business day. In some cases, credit underwriting and due diligence may require additional documents, which may delay funding time.

Your electronic payments will be directly deducted from your checking account. These payments will be deducted on your pay day. If you want to repay more of your loan earlier, it could result in interest savings.

The pay frequency is based on whenever you get paid. The options for pay frequency are monthly, semi-monthly, bi-monthly and weekly.

Doing so may result in saving money. The amount of interest your loan accumulates is based on how long you have the loan. The less time you have the loan, the lower the fees you have to pay. We never charge any prepayment penalties, so paying your loan off early is a great way for you to save money on interest. For this reason, we encourage you to pay off your loan as quickly as possible.

Once your current balance is paid off, you may reapply the following day for a new loan. Unfortunately, our customers are only allowed to have one loan at a time with us. Once your current balance is paid off, you may reapply the following day for a new loan.

The total cost differs for every loan. Our finance charge is based on your credit worthiness, our proprietary scoring method, the amount you chose to borrow, and the length of time you chose to keep your loan outstanding. Your finance charge and APR will be fully disclosed to you in your loan agreement.

APR stands for the annual percentage rate. It’s the cost of your credit expressed as a yearly rate, which also accounts for fees incurred during the transaction.

Payments are fixed once the loan is approved. You can change the account your payments come out of by calling our Customer Service Department at (714) 780-2546 and one of our representatives will assist you.

Yes, you can. Simply contact us at (714) 780-2546 and we’ll transfer you to our Pay Frequency team to update this information.