Qualifications Personal Funding

Our funding programs offer up to $200,000 in as little as 7 to 10 business days. Simply review the qualifications below and complete our quick one-page application. Get preliminary approval in as little as 2 hours, with final approval within 2 business days.

Once you submit your application, our software automatically routes it to the most suitable program based on your request. This ensures the fastest funding and the highest possible amount to meet your needs.

Our loans are 100% unsecured, and 99% of them do not require any documentation.

1. No income verification
2. No employment verification
3. No collateral required
4. No application fees

We offer both a standard and an express funding program. Our funding program provides the highest possible dollar amount and is typically funded in less than a week. With a higher level of attention, we work to maximize the approval amount for each applicant.

Credit scores are determined by three major credit bureaus: Equifax, TransUnion, and Experian. Each bureau uses an independent scoring model, causing slight variations in scores. While the exact credit score algorithm is proprietary, several key factors influence credit scores, including:

1. Payment history – Making all payments on time.
2. Credit history length – The duration of credit card and loan accounts.
3. Credit inquiries – The number of recent credit applications.
4. Credit mix – The balance between fixed loans (e.g., mortgages, car loans) and revolving credit
5. Utilization ratio – This accounts for 30% of a credit score and reflects the percentage of available credit in use.

For example, if a credit card has a $10,000 limit and a $1,000 balance, the utilization ratio is 10%. Keeping this ratio low can positively impact your credit score.

Considering these elements, our own algorithms have shown that these factors significantly impact lower default rates and higher credit scores. As a result, we take many of the same factors into account when evaluating qualifications for funding with FastCashCredit.com.

Qualifications for funding include the following:

1. Minimum credit score: 680
2. Equifax-only Express Funding: Available with a 2-3 day turnaround
3. Utilization ratio: Must be below 60% for revolving credit lines
4. Trade lines: Minimum of 4 primary trade lines opened and seasoned
5. Credit inquiries: No more than 4 hard inquiries per bureau in the last 90 days
6. Negative marks: Bankruptcies, foreclosures, repossessions, and judgments must be at least 5 years old

When these criteria are met, we can approve funding 99.9% of the time. Apply now with our simple one-page application and get funded with confidence. There are no hidden qualifications or extra paperwork—just complete the online application and receive funding in less than a week!