How It Works

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  Apply

  Apply online in less than five 5 minutes

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  Approved

  Receive instant online pre-approval**.

  ** While you will know in seconds if you are pre-approved, additional verification maybe need before you will receive your cash.  Most applicants will still need to have one of our service representatives contact them to discuss the terms and conditions of the loan agreement, verify employment and require bank account information to verify income.  Get started now – Hit the APPLY button or link!

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  Funded

  We can fund your loan same day to your bank account (if your loan is processed before 12:00 pm CST) or you can have your funds electronically sent to your bank checking account typically on the next business day.

  **Same day funding occurs through Bank to Bank processing or ACH.  Spring Water Financial is NOT responsible for when your bank or credit union will release your funds to you.  You should see your money in your account by 5pm your time.

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  Repay

  We give you options.  We recommend that you pay your loan off on your next pay date.  However, you can just pay the scheduled installment loan payments per your loan agreement or you can add additional funds to your scheduled loan payments to pay down your loan balance faster (without incurring a penalty).  You just need to call us three (3) business days before your payment is due to setup the additional payment.

Apply Now