It was easy to complete the application, and you can use a slider to see how different loan amounts affect your Interest Rates for 1- to 3-year loans. I applied and was approved and my app was completed within less than two hours. the funds will be in my account in three to four days which is awesome. I first checked with other loan giving platforms and they wanted to give me the same amount for about 10% higher rate. this was definitely a much better value!