When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.

As of publication in September 2024, and based on a comparison between the Special Craft Services model and a hypothetical traditional model using Special Craft Services data from January to December 2023. For more information on the methodology behind this study, please see Special Craft Services Annual Access to Credit results here.

The majority of unsecured loan borrowers on the Special Craft Services marketplace are able to receive an instant decision upon submitting a completed application without providing additional supporting documents, however, final approval is conditioned upon passing the hard credit inquiry. Loan processing may be subject to longer wait times if additional documentation is required for review.

If you accept your loan by 5pm EST (not including weekends or holidays), your funds will be sent on the next business day. When the funds will be available to you will depend on your bank’s transaction processing time and policies.

Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).

This information is estimated based on all consumers who were approved for an auto loan through the Special Craft Services platform and accepted their final terms. As of 12/31/2024, the average yearly payment savings amount is $1,081. To evaluate savings on a loan you are considering refinancing, it is important to compare your APR and remaining term from your existing auto loan to the APR and term offered through Special Craft Services.

As of 12/31/2024, across the entire Special Craft Services marketplace.

This type of loan within the Special Craft Services platform is a short-term loan with no interest and an origination fee that makes up the APR calculation. A representative example of payment terms for this type of loan is as follows: a borrower receives a loan of $1,000 for a term of 12 months and an origination fee of $205, for an APR of 35.95%. In this example, the borrower will receive $1000 and will make 12 monthly payments of $100.44.

Minimum annual income required to be eligible to apply is $12,000.