Loan approval and actual loan terms depend on your ability to meet our standard credit criteria (including credit history, income and expenses) and the availability of collateral. Annual percentage rates vary depending on your credit profile and state restrictions. Western Trust Funding and third-party lenders use various credit reports, data sources and application information as part of their underwriting. Not all applications are approved. Approval and loan terms vary based on applicant qualifications and by state. See Rates & Terms for details. Decision may take longer if additional verification or documents are required. †Applications approved before 1:00 p.m. CT Monday-Friday are generally funded same business day, subject to your bank's processing times. Applications approved other times are generally funded the next business day. Some applications may require additional verification. In such cases, if approved, funds will be disbursed by the following business day after the additional verifications are complete
